for a while, i was obsessed with studying math, and number theory,

and i even wrote spreadsheet programs to study the fine details of the mathematics of growth.

and the one thing that eventually became clear to me, was that ANY "interest rate" above 0% would eventually "go asymptote", over the long term.

https://en.wikipedia.org/wiki/Asymptote

this is why, "the rich get richer, and the poor get poorer"

these USURY schemes take time to play out, but they ALWAYS go asymptote, shoot for the moon,

and then crash and burn.

And when they crash and burn, all of "the little people" (poor people) gather together,

And they have torches and pitchforks, and kitchen knives,

And they revolt.

And they walk over to where "the rich people" live,

and things get ugly.

This has happened hundreds of times throughout history,

And for some reasons, which we don't fully understand,

Whenever this happens, they call it a "pogrom",

And its considered "anti-semitic hate"

To prevent pogroms, they long ago instituted the concept of JUBILEE.

If people do not learn history, they are bound to repeat its mistakes,

So of course, they cancelled JUBILEE, many years ago,

And the wealth has been transferred or redistributed from the LABOR CLASS, to the USURY CLASS.

We need some sort of credit / money system that specifies that the interest rate shall never be above 0%

Because right now, the Federal Reserve is jacking up USURY RATES, and will likely continue to jack USURY RATES from now until the end of time.