There is a difference in what happens if you fail to pay these 110 dollars or if product is broken. With loan, bank will use a court system to get back its mon

There is a difference in what happens if you fail to pay these 110 dollars or if product is broken. With loan, bank will use a court system to get back its money, and court can size your other property to return your debt, and by the power of small text your fines can unexpectedly outsize the price of the product by one or few orders of magnitude. With Sharia banking you will never pay more than these 110 dollars, and if you fail to pay them, the bank will size that product without using the court as it is legally a property of the bank unless you paid these 110 dollars. (Warning: I am not a lawyer.)