No one is going to go into the business of lending anyone money, with all its expenses and risks, for no reward. Loans at reasonable Interest rates enable people to invest in a house or a business and pay the loan over time, rather than saving up for 20-30 years first. Charging exorbitant interest r engaging in dishonest practices are bad things, but having the ability to pay to borrow money at reasonable interest rate allows everyone capable of it to invest, grow, and flourish.