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Time to start a local, usury-free currency where you live.
Interest/usury/riba is a mathematic fraud like a Ponzi. It's a voluntary contract based which CANNOT be fulfulled by all participants. In this example we use a cowboys, and chips. However, it can be YOU, your family, a Regardless whether the chips/money are paper, digital, gold, or silver it's IMPOSSIBLE for all borrowers to pay.