>>4315784The "needy" have a 70% chance of just not paying back. Lending money only works when there is an authority to guarantee it, like Pope Innocent IV enforcing Jewish usury by issuing a decree forcing the King of Navarre and his subjects to continue paying debts owned to Jewish bankers (they didn't want to pay them anymore and Jews could not force them to)
<The Church and Empires know a third party are needed, that's why they protected Jews and exempted them from the usury law, which is banned for Christians. Usury is almost required to exist unironically