I sent Got Questions the following feedback:
A person from Got Questions responded with the following:
Based upon my careful study of this topic, I believe that what it means by 'expecting repayment' in the context of Luke 6:34 is to have the legalistic mindset that one seeks after a repayment. It is referring to holding onto one's so-called "right" to be repaid, rather than lending generously. The world holds onto its "rights", including that to be repaid, legalistically demanding and expecting to be repaid when it loans. As Christians, however, we are not to hold onto our so-called "rights", having the legalistic mindset that one should receive what one lends.
So, what Jesus was saying is to not have the legalistic mindset. Although it is sin on part of a borrower to not repay (Psalm 37:21), it is also a sin on part of the lender, to expect repayment, in the sense of having that mindset that one has lent money, such that one is entitled to be repaid on one's part. 'Expecting repayment' does not mean to disregard the principle in Psalm 37:21, or ignore the sin of not repaying. It is referring to the lender on one's part of not demanding what one loans for that is of the spirit of legalism, which is sin.
Thus, to view usury as wrong because it 'takes advantage of someone', is to view the rightness or wrongness of it based on the consequences to people, rather than that is a manifestation of the love of money, an abomination to God. This resembles humanistic ethical reasoning which is based on consequences or how it may negative affect people. It focuses ultimately on man, and not God. So, the moral Law, being of inspired by God, would not view usury based on the consequences caused to people. God is no respecter of persons (Romans 2:11), and so no Law of His is based ultimately on how something may be used against someone, but rather, whether it is a manifestation of love for Him, and of His Will.
So rather, the Old Testament views usury as that which furthers a person's bondage to money, which results from the love of money, which is against His Will.
Rather, what I am saying is that usury is a moral issue. If it is not a moral issue, what is it? A ritual? A economic process?
If usury can be viewed as 'taking advantage of someone', as you pointed out before then would not usury be a moral issue?
In the same way that God telling the Israelites to deliberately and wilfully kill foreign nations because of their wickedness does not make murder right, that God allowed the charging of usury against nokris, because of their wickedness in most likely charging usury themselves, does not make usury right.