We have forgotten the deeper reasons that certain things were prohibited or discouraged, assuming that these rules were only there because of a belief in a religion society doesn’t follow anymore. That was a naive view and it turns out that many “old” rules are actually pragmatic social codes disguised as beliefs. This isn’t limited to a particular tradition, either: pretty much every major religion has frowned upon things like gambling.
And so in the absence of any real coherent philosophy that aims to deal with complex problems like gambling, addiction, or excessive interest rates, you’re only going to get an expansion of what is already dominant: markets.
Don’t expect this to change until knowledge of ethics and philosophy becomes widespread enough to establish a new mental model for thinking about these issues.
There was once a so called fair profit rate of 4% in the middle ages and early modern age, in Hungary. Greek wine traders operating there featured the number 4 on their seals and ornaments of their houses. (They were also often tried for violating this rule)
In those ages of course there was no constant inflation in the current sense, gold standard was used for payments, etc.
source, in Hungarian language, the site of the greek ethnic minority's cultural institute (the pictures feature one such ornament): https://gorogintezet.hu/kultura/2022/07/gorog-kereskedok-sze...
https://gorogintezet.hu/wp-content/uploads/2022/08/15264.jpg
