usury: an unconscionable or exorbitant rate or amount of interest; interest in excess of a legal rate charged to a borrower for the use of money
The Fed’s cost of money is essentially zero so ANY interest charged is usurious (are you aware that We The People are paying interest to a private corporation for something they created out of thin air? and you don’t think that is criminal?)
The Federal Reserve violates the US Constitution which states that only the United States government has the power to create money
The US Constitution says “No State shall … make any Thing but gold and silver Coin a Tender in Payment of Debts”
The Constitution has never been amended to allow either the Federal Reserve or a non-silver/gold currency
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I agree that silver/gold standards are not ideal
It may be however that a silver/gold standard is the best that we can hope for – our founding fathers obviously thought so and they were students of history