I didn't say it did. Not all lending is usury and there will always be debtors and creditors. People got into debt under the gold standard, as well.
I said that full-recourse lending for consumption is immoral.
Discussion
How can there be a distinction between lending and usury that's not completely arbitrary?
I think the distinction is if the thing you are invested in creates an equity or cash flow. A business loan that results in a cash flow is OK. A credit card loan to buy bread is not. There's probably some margins that would need to be analysed like a car loan, which increases a persons ability to generate money, whereas a home loan is probably more clearly usery.