As some might know, I am a strong proponent of free enterprise. Further, I hate socialism and communism with all my being. I have read von Mises and his argument that interest is inevitable. Mises argues that it is the discount of future goods as against present goods (521). It is the price men pay for valuing present goods more than future goods. It is a ratio of commodity prices, not a price itself. Mises argues that as long as there is scarcity, there will be human action, and hence, interest (525). Yet I can't shake the idea that usury is, as the title of Mooney's book says, the destroyer of nations. How do we address this fact in the modern world? Are there good criticisms of interest on loans? On the other hand, are there any rebuttals to Mooney?