This is what it's all about! A crypto for every community, controlled by the community. Everyone wants to project the-big-fish-eats-the-small-fish capitalism onto the blockchain. That's not how it works.
I love that you bring up the word of the day usury. A lot of people see loans being issued on the blockchain and think that it's a bad thing. However, blockchain loans are not usury because they are backed by collateral.
The world needs to free itself from unsustainable usurious debt.