Do you believe charging interest is a responsible practice?

I'll ask you a question, would you lend me all your bitcoin for 5 years without any interest?, if your answer is NO, then you have the answer, and if you say YES, then I'll give you my wallet so we can make a contract and I'll give back to you the Bitcoin in 5 years with no interest at all.

Usury is a tax on greed and a means of enslavement. How many people are indirect employees of the bank?

that's true, but we can all have the power of choice to decide if we want a credit or not, why would you like to have a credit if you cannot pay it back?, what is it that you want and cannot have right now and you are willing to sell your freedom for it?.

The problem is not the credit, the problem is who uses it, I will not ask for a credit at 30% interest yearly for sure, but I will for a 3%, there are many investments that can give me more than that, that is the different between someone who knows and someone who does not know what he/she is doing.