Very good point. When Islam says that lending is only done as an act of charity (0% interest), it means that we should not have a society that is built on debt.

Very good point. When Islam says that lending is only done as an act of charity (0% interest), it means that we should not have a society that is built on debt. Easy debt means that now you have very large swathes of society enslaved in loans. This is not how to run a proper society.