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But there actually IS something immoral about lending money at interest.

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Interest is just the commodification of time preference disparity.

The variance in people's time preference is an opportunity for voluntary, mutually-beneficial trade.

What's immoral about that?

This is a common rule for imaginary sky friends to make up. You won't find reason behind it, just superstition.

Right. I believe Silbernegel wrote a whole nonsense long-form post about it on this basis.