The "Generous" Usurous Creditor and the Mammonised Debtor

The rich ruleth over the poor, and the borrower is servant to the lender (Proverbs 22:7).

Debt is that which is owed to another. In the monetary sense, it is money that a party, the debtor, owes to another, the creditor. There is a moral obligation conferred upon the debtor to repay his debts to the creditor, not because the creditor has lent him money, but because he borrows money. As such, he confers an obligation on himself to repay debts. It is not the creditor who confers an obligation on him.

However, the modern economic system treats the debtor as a party who owes debt to the creditor on the grounds that he is being loaned money by another, and not because he borrowed money. The debtor is treated as one who is "entitled" to borrow money from another because it is his inherent right, rather that as one who has a moral obligation to repay debts. This has provided grounds for a creditor to assume his role as a generous service-provider who is thus entitled to payment on the loan, known as interest, bonds, administrative fees or anything else, except for usury. 

The role of the modern creditor is now one that is a service provider of loans, and therefore, entitled to usury, under the guise of being a 'generous' lender.