In a proper functioning freemarket, one without a central bank, interest is function of savings - delayed consumption, and thus those who earn it, those who loa

In a proper functioning freemarket, one without a central bank, interest is function of savings - delayed consumption, and thus those who earn it, those who loaned out funds, are deserving of their reward. That is the beauty of interest, it encourages people to work just a little bit harder and produce a little bit extra which allows for investment in the future.