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Providing someone else money for a time to use for whatever purpose they desire is of no value? I think that literally most every person on the planet would disagree with you. Are you saying you’ve never borrowed money for anything, ever?
Ok, but its archaic status as immoral does not make it a “scam” today.
It’s a scam because it’s literally free money for the lender. They do no work, they generate no value, but they still get paid.
Providing someone else money for a time to use for whatever purpose they desire is of no value? I think that literally most every person on the planet would disagree with you. Are you saying you’ve never borrowed money for anything, ever?