used to be against CC issuer T&C's to have a minimum but it was overturned in the courts
One can justify anything with “better than illegal alternatives” and you wouldn’t expect anything else from the Cato Institute, but saying “usury caps simply don't work” is pretty rich considering the 1,000s of years and hundreds of societies who did and do so
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Banning usury has to be part of a broader policy though, which Bernie very much argues. One doesn’t need access to these kinds of loans if public transport is better, health insurance accessible, etc
End of conversation
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