predatory loan shark payday mafiosi-usury loan bubble economic power to legitimise political-power ... interest ceiling against unfair lending special fee from local council state-owned people-owned the banks private lending market with exorbitant charges shareholder relationship open market pricing mechanism debt slavery and royalty bondage ... joint venturer sharing in the commerce of profit and risk of loss , equity stake , for services provided , administration fees , time and effort , of each party , equally to the effort and time or however calculating non-recourse interest free micro-lending kick-starter credit union : < life-one !