Think about the concept of "usury."As traditionally defined, this means the lending of money at ANY rate of interest and Christian society used to outlaw this as Muslims societies currently do.

Free market capitalism on the other hand holds there should be NO usury laws, that if it's a voluntary agreement thecreditor and debtorshould be able to set the terms.

Our society is somewhere in between where we allowthe creditor and debtorto agree on the interest rate, but like the minimum wage, we draw the line somewhere and say it's "usury" if too high.

Do you think we draw the line appropriately?What about "pay day loans"?