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.
Get the Usurymug. A name for parents who live alone and whose kids moved out. Such as little chicks who are all alone and who you leave.
Bye chicklins be safe. (As you say goodbye to your parents when you leave their house as you drive to your college home).
Get the chicklinmug. 
A rich playboy who doesn't care about peoples feelings and will take your squishmallow drop you then burn it.
Get the Cristophermug. You call someone zacsy when that person has a horrendous, giant, amazing, beautiful, big d*ck. You can use zacsy too, if someone is very sexy and hot.
Get the zacsymug. Dixie is a backstabber she will throw her life away over a boy and go back to him after he treats her like trash
Get the Dixiemug.