You'd incentivize lending how? Or is the very idea that someone else could make better immediate usage of your assets to be outlawed?
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"Under free commercial conditions" is meant to point to money markets rather than macroeconomic policy-making (which is not concerned with price-discovery, but with mind-control).
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... Of course, high time-preference people get into trouble with "usury" -- just as they get into trouble with everything else.
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