Usury is lending money at “unreasonably high rates.” If you lend someone with no collateral $500 bucks so he can fix his car and not get fired from his job, and he pays you back $550 a month later that is not unreasonable, the person can walk away but will gladly do it.
And a mortgage at 4.5% over 30 years is not usury either. I think it’s a bargain. How many folks could never afford a house ever if it weren’t for mortgages. Frankly I’m shocked these banks don’t charge more, with inflation and the time value of money they can’t be making much.