If you make "laws to cut down interest rates", two things happen. 1. The normal lenders discontinue lending, either by choice or by bankruptcy. 2. The blackma

If you make "laws to cut down interest rates", two things happen. 1. The normal lenders discontinue lending, either by choice or by bankruptcy. 2. The blackmarket lenders fill the gap. Mafia loans are not good for society. The nature of the blackmarket, without access to legal remedy, is that there will be violence.