Think of the way that the banks that bought and sold our mortgages in the run-up to the 2008 crisis eventually lost the deeds to our houses, and then just *pretended* they were legally entitled to collect money from us every month - and steal our houses if we refused to pay:
https://www.reuters.com/article/idINIndia-58325420110720
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Or think of the debt collection industry, which maintains a pretense of careful record-keeping as the basis for hounding and threatening people, but which is, in reality, a barely coherent trade in spreadsheets whose claims to our money are matters of faith:
https://pluralistic.net/2023/08/12/do-not-pay/#fair-debt-collection-practices-act
For usury, the chaos is a feature, not a bug.
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