Flnnflop is amazing.
An answer to usury is lending circles. These have a long history in various countries. The non-profit Mission Asset Fund introduces them in the USA and take it one step further in that members of the lending circle are able to boost their credit scores. Each member will, for example, put $100 in the shared pot monthly. Then, after ten months that person will get $1000 with no interest rate. Their monthly contributions will be reported to a credit bureau to enhance their credit score.
A Hezzy/Raccoon: when you make eye contact with something and then run it over without stopping, followed by letting it get hit continuously by the traffic behind you.