Would Christian consciousness keep allowing usury to flourish the self-love individualism and having a permanent safe haven? Would real Christian ethics sustain expanding the risks of lottery-oriented usury? Would Christian morality overcome the satanic forces of the god of usury and the sins of misery, narcissism, greed and gluttony? Would real Christians conquer the notions of "greed is good" monetary investments, "hot-to-trot" financial or fiscal hopping and "pay-to-play" the prize drawing? Would non-materialistic Christian ethicists prevail or not on the thunderstorms of the egoist-civil religion and its immoral businesses?

Would real Christians stop the conquest currents of propagating the philosophy of materialism: the worship of the fragile ego and the worship of the symbol of money? Would Christian free agents of the Almighty God, defeat usury, the evolutionary tool of secular humanism and the denial of thanksgiving to the Benevolent God to the whole universe and His creatures? While Christian idealism calls for the common good, the so-called "Christian teaching" as it’s claimed in America praises the marketplace without any reservations. The so called Christian teachers are joining the usurious clubs of investments, raising thumbs for high usurious rates, giving High Fives for usury in and usury out, considering ruffle-Bingo fundraising as the natural norms of dog-eat-dog financial system.

When the gutters of materialism have reached to a no turning point and become over flooded, we must be very alarmed. When the market-driven dynamics have been creating absent-minded citizens, enslaved workers and irrational customers, we must warn others and ourselves. Debt-ridden citizens and homelessness in the so-called free democratic nations are bad signs for immorality and injustice. When the market incivility has been promoting the commodities of false health and wealth through the media and movies, biblical moralists must step down and resent the going-to-hell situation. Modern marketers have been selling every thing you can imagine including superstitions, dreams and unreality.

The practice of the greed multiplier progression and the geometric equation of the compound interest-rate have created an age of debauchery and death. People live to racketeer and racketeer to live. The private parts of the human being have become commodities in the corporate culture of marketing. Corruption has become the unique tenet of the corporate culture. Some preachers are vindicating the sins of avarice in action, and justifying the physical and psychological materialism, whereas materialism in life means absent-minded animalism. Materialism and Darwinian evolutionism are shared by both communism (the state capitalism of the East), and capitalism (the corporate capitalism of the West) by the help of the idol technology.

Walter Truett Anderson expounds that "the capitalist/ progress/ development story and the Marxist story are both rooted in the modern era and, beneath their differences, they share a modern construction of reality. Anderson mentions that such modern construction of reality has a confidence in materialism and scientific truth; a modern sense of time not as circular but rather linear and progressive. Consequently, there is a notion of history not as a decline from a golden era but rather an upward struggle out of ignorance and tyranny" (in his book "Reality isn’t what it used to be"). To Anderson, both stories are borrowing heavily from the Darwinian theory of evolution and striving mightily to convert Darwin’s ideas about the survival of species into ideological beliefs about the survival of civilizations. Both systems rest on no divine authority or morality, and no sense of efficient satisfaction or ethical direction.

Such interpretation explains how do we live in an age of disbelief in God (atheism), denial of the Almighty Creator (agnosticism), and the worships of many blind, mute and deaf idols to say God is dead and God is not in control (paganism). This is the age of getting God out of our practical lives and the man-to-man exploitation. Atheism by some denies the existence of the only one God, agnosticism by many says that God has the heavens above not the earth, and polytheism by more many people worship the idols of money, nature, food, beaches, sex, physiques, etc.

Why did the Soviet communist system fail? Well, Dr. Zbingniew Brzezinski, former National Security Advisor, urges us to recognize that the failure of communism does not mean sanctifying the notion of capitalism pure and simple. The call of communism that social responsibility requires concerns for the poor to join collective democratic action by society, to alleviate injustice and inequality has some justification. To Brezezinski, in some respect, Karl Marx focuses attention on the road of modern society to address the problems of inequality, poverty, exploitation, unfair distribution of wealth, etc. That means the Capitalist system is going to fail and die one day. Like any empire, it has a birth, a life and a death cycle (when it operates immorally such as the interest dogfight).

In "Religion and the rise of Capitalism", R.H. Tawney explains how usury was denounced as summary of all kinds of distortions. In the Middle Ages and in the 16^th century, the word "usury" was "equally elastic"; not only the taking of interest for a loan, but also the raising of prices (inflation) by a monopolist, and the beating down of prices by a keen bargainer. The rack-renting of land…the cutting of wages and the paying of wages in truck, the refusal of discount to a tardy debtor… and the excessive profits of a middleman all are inclusive definitions of usury. That means grouching prices and fraud are considered usury, because you increase your share at the expense of others.

In 1571, the English act of 1552 which has prohibited all interest as a "vice most odious and detestable, as in divers places of the holly Scripture it is evident to be seen", had been repealed. The exaction of interest ceased to be a criminal offense claimed that the law should not impose on business a utopian morality. Interest rate was reborn and has been legalized and demoralized. Zero-APR (annual percentage rate) has been presumed and announced dead.

According to philosopher Alan Watts (in his book "Does it matter?"), "the fatal fallacy of our civilization is the confusion of symbol (money) with reality (wealth)". Watts adds that "money is a way of measuring wealth, but is not wealth in itself". The practice of usury has turned people into a bunch of dollar-hypnotized economic animals. Therefore, the interest rate of greed dividend is the interest rape of our human and spiritual entity. Interest rate is really the Devil’s fork and the serial killer that have rubbed our humanity and civility. Our credit card system has been designed to be enforcing that man was created for money not money for man. Money has become an infinite end like an eternal paradise (not a medium any more).

Materialistic money has become the every-moment talk of television stations, media shows, networks programs, primetime news and newspapers views, magazine reports, events, daily lives of people, etc. Do we live to make money, or do we make money to live? Is it money of materialism or materialism of money or both? Is the so-called free market economy a fraud economy to distribute interests, bonuses and material possessions? Why is there a big fuss about the fiscal policies (levying taxes) and the monetary policies (imposing a prime interest-rate)? The stock market operates as a game of chance (not choice), a pay-to-play lottery to snatch the maximum profits. Today market global-economy has been attached to the economics of cycles and the stigma of failures and recessions.

The fraud market economy has been operating in a restless manner and manipulating us in a nonstop zeal and effort to kill the spirit of human being. The cunning manipulation of the usurious market economy has not and will not be a democracy. The economy of scales by the help of the demonic lending power of the compound interest rate has been treading us like pieces of insects. Our macro and micro economic engines operate in usury, by usury and for usury. Traders, brokers and middlemen are the spiders and octopuses of the economic financial, fiscal and monetary predators ever in human history.

Usurers keep teaching us the death of integrity, honesty and injustice. Under usury, the con men base their usury on the fictional supply-and-demand formulas, blessing the growth of hypocrisy and cunning techniques. Usurers create gossips and spying so that they can highly succeed. Usurers falsify the economic and social facts to prevail on every body. To control the destinies of people, usurers spread false rumors and data about the cultural, religious and political aspects of people. Mistrust has become the cardinal currency. We have ended with an abundant of liars, dodgers and traitors. Usurious brain washing has lead to a surplus of economic scams, tricks and gimmicks.

Numbing the public about the myth of future instant wealth has become one of the brilliant tools, to use the media. Good examples of spies are the so-called the three credit bureaus. Interest changers continue to accrue during your hard times of default, delinquency, deference or forbearance. The thieves are the usurers and lenders at interest, whereas the co-thieves are the acting judges, lawyers’ scenarios at the court halls and the collection agencies. The justice theatre has the pro establishment’s upper hand and final word.

The elastic marketplace has been shaped by the usurious mentality of selling time, honor and survival. We can name scandals and scams such as promissory notes, junk bonds, derivatives and mutual funds, securities, options, etc. The unholy grail is the promise of instant wealth and crowning greed, even the market commodities are guns, drugs sleazy sex or glamorized violence. Witchcraft has succeeded in the usurious economy selling goblins, devils and idols of the infidels. The growth of greed and gluttony like economic pigs and dogs. There has been a process of desensitizing the moralists to reject the usury man’s video games.

Whatever the lending contract: mortgage loan, lien contract, home equity loan or contract for deed, you have been held as a hostage. To redeem yourself, you need to keep paying the interest ransom or the survival bribe or penalty tax. If default and delinquency happen, you will pay double or triple or quadruple of the lend original-principle. Such situation leads to the practice of slavery, as a replacement of the archaic slavery market of submissive-servant men, women and children.

For the usury man, to get the loan paid off, you have to be taken as a slave and devalue yourself as an equal human being. The other option, to get the value of the debt, is from the sale price of the slaved people. The usury man does not understand the basic human needs of food, clothes and shelter. Greed has made Mr. Interest man blind without any sight completely. Mr. Shamrock will ask you a cosigner funds, or refinance or consolidation of your debt repayments, or an auction.

In "Mere Christianity", CS Lewis, professor of Medieval and Renaissance literature, asserts that three great civilizations had agreed in condemning usury, Moses, Aristotle, and the great Christian teachers of the Middle Ages agreed in forbidding usury. All these people told us not to lend money at interest, but we call it "investment" which is the basis of our whole system (Mere Christianity). The usury of investments, as the root of all evils, is self-evident of all our monetary ills and social ailments. Our immoral usurious system does not create peace and prosperity, but rather psychological anxieties, mental disorders and physical crimes. Usury has eroded the moral fabrics and the mental tissues of our social lives.

To pursue the road of usurious multiplier of money has led to the death of integrity and justice. Greed and gluttony are the mottoes of the work ethics. Some people kill others out of boredom in the marketplace of competition. Some brokers and traders have committed suicide after they had lost every thing in the stock market. Many small businesses and families have been forced to bankruptcy. To reduce the wrath of God, real Christians should demand for abrogating the usury of "Economic Growth" which generates anxiety, apprehension, voids and suicide.

Our highest usurious marketplace system has the highest rates of alienation, anxiety and boredom. The highest numbers of violence and crimes reflect the highest statistics ever in human history, in the world. We have the giant practice of usury and the most consumption of drugs, alcoholic substances, spirits, and tobacco. We control the markets, but we produce and consume sleazy sex, prostitution in all forms of soft and hard core of pornography, gambling, lottery, sweepstakes and bingo. Crooks and criminals can find a flourishing soil for doing evil and causing depression and panic.

In a very short statement, our society owns the specter of fake freedom, false happiness and misery. Biblical Moralists should pursue revoking the usury of ego-love Economics (who gets what), to contain the growing global hyperinflation and starvation. To save the West from moral degeneration and decay, we should inseminate non-usury Christian economics of sharing and caring hands. We need the Christian ethics of cooperation and contributions. When will the Gospel preachers speak against the rapacious usury, which has been transforming the world into the United States of Sodom and Gomorrah?

It is indispensable that a non-usury Christian ethics can conquer profit predators, the invisible-hand marketers and the Laissez-Passer Faire racketeers. Our Lord of Lords, Jesus Christ, has been calling us to sanctify our temples from the "money changers" who are turning our lands, and homes, our stores and offices into "dens of robbers" under an institutionalized monetary-immorality. Thou, every individual or state shall not steal or practice usury, interest loans, or %APR credit cards. Mammonism cannot be eradicated if we will continue to legalize the "creation of capital", and the multiplication of the usury of credits.

It is profoundly a paramount duty to repeal the usury of unnatural and self-defeating interest rape. Real Christians must rely on God the Almighty, not the demonic power of the compound interest rate. It is heretical to promote the sale of God-given time in terms of days, months and years, between man and man. When the marketplace dynamics works on the foundations of the demonic lending-power of the compound interest-rate, we will demoralize and diminish justice and passion. The witches of the monetary policies and the goblins of loans financing will create fraudulent markets. Everyday dealings are cursed as long as they are done in the name of usury and lottery.

Any bank is a storehouse to accumulate immoral funds of amassed fictional papers or fake tenders. The solicitors of illicit interest-rate usury and loan brokers are outnumbered the merchants and traders. Marketing many sexual slogans and hallucinations of crooks are operated by crooks and for crooks. Numbing the customers, clients and workers are high indicators for usury success, to increase the dollars’ enrollees in credit cards. Crazy environment, sick societies and slick persons are products of the practice of the crazy cravings to usury greed and greed usury.

The philosophy of control requires penalizing the hard-working good people. Such philosophy fights to propagate the death of reliance on God, thanksgiving to God and the social sharing and caring hands. For example, they consider television trash as a very successful business in the marketplace through fabricated high ratings. This is disgusted, distasteful and ridiculous. People have been seduced to the satanic magnet of interest rate and hooked on other philosophies and practices. Psychology is one of the pseudo sciences, which has canonized the rituals of witchcraft by the slick Jung and the sexual orgy analysis by the sick Freud. The worship of the Ego will kindle and rekindle the selfish desire to elevate greed to the highest levels.

Let the idols for the freak idols. Even the practice of monetary insurance embodies the tenets of usury, in such a way to prolong unlimited proceedings to the usurer. Let’s examine how insurance resembles, and aggravate the cancer of usury. How does insurance confuse the difference between profit and usury, declaring that life is not precious but too cheap to reckon with. It does not matter, which kind of insurance: life, fire, health, car, home, etc. The premise of insurance is that money is much more precious than God’s given-life to man. Under insurance, the insured has to pay-to-play so that the charge will permit you to be compensated (like a prize) accordingly. Insurance policies impose a premium as a delicate name for interest. Insurance resembles usury and lottery.

The usurious mentality has shaped our lives. The list of payments includes rent, interest, charge, installment, premium, yield, bill, etc. These payments look like the wages of sin. The sinful world insists on his sins and boasts about his man-to-man exploitation. To bloodsuckers, enough is not enough and the usury busters are ever hungry in this crony capitalism and rugged individualism. The nonsense of Psychology resembles the twisting arms of insurance in the notion of agnosticism. Do not worry ever. Let the dead bury their dead. Let the killers bury their victims. Let the marketplace of costumed mummers’ boast in usury masquerades, and marsh on lottery parades. According to the Egyptian popular sayings, we live in a bleak age of "the illegitimate man has not and will not leave any share for the legitimate one". This is the age of " from evil sin to evil sin’ and "its’ protector is its’ thief". Keep hope alive and be encouraged to speak up, so that you can make a difference and a better world.

Popular culture advocates, in a negative way, the lost Garden of Eden and the Promised Land. A strong attraction to the dark sides of the jewels in ghettos grabs and tides us to the jewelry in the gangs’ treasure. Such pop culture blends us to the black bracelet bonanza. This pop culture operates like a marketplace selling one commodity of false myths of pagan dreams to satisfy the worship of ego and agnosticism. A directed market of Epicurean and stoic ideas has been doing business in the television trash. The media filth portrays human beings like aliens and monsters. They transfer human beings into demons, dragons, fictional dinosaurs, witches, whores, etc. The disgusting movie-images depict the psychological dilemma of the dominant usury generation.

Media confusion can not recognize the difference between the credit line, the assembly line, the unemployment line and the enslavement line when it comes to interest rate. How about the poverty line, where does it come from? The glimmer man of usury has the upper hand of control. People have become bunch of idiots, dumb and fool. The folly of usury has its influence on the minds and hearts of people. Therefore, the media tantalize torture, glamorize violence and desensitize children, to redefine success in life. This is the extravaganza of this odd world. Credit and debit cards are in all kinds: mud, silver, gold or platinum. Cliches are spreading like "time is money". But the question is why not time is life, love and the peace of mind. Time is the creation of God, not the creation of usury process.

The usurious manipulation of the marketplace and the enslavement line of humans have been running fast and recklessly on the road of the devil. The highway of Satan has multi lanes of usury in all walks of human lives. If you want to convince yourself of the immoral injustice of usury, we ask you to reexamine all media highways of programs, Hollywood movies, newspapers articles, magazines pictures, television Talk-shows, primetime news, etc. This is a super highway of filth, garbage and monetary dog-eat-dog system within many freeways. It is the road of the dog-eat-dog predators: Who cares? It is not your business. It is my money. It is mine.

The major threats to Western civilization as we know it, are not the ideology of political systems, but rather the interwined selling of money at a profited price and the intermingled usury in the economic system. Some of the hurdles to human civilization are the economic mentality of lottery, the theory of evolution, and the pro-ego psychology. Others are the television trash, the media garbage and the filth of sleazy entertainment-movies and freaky video games, which are trying to discredit God the Sovereign Creator. The crooked manipulation-of-our economic relationships have been shaping our rights and responsibilities in such immoral ways of enslavement and exploitation.

We should reexamine the immorality of usury, clean out our houses. We should go back to the Omnipotent God. Let us abandon the economic games of strike-it-rich sweepstakes and the wrangled long-term social problems. Enough to rename enslavement as employment, greed as efficiency and selfishness as profit maximization. God is Omnipresent and Almighty listens to the crying injustice by the stricken poor. We should stop the economic war of who-will-get what, how, where and when.

The notion of "credit breeds credit" must be gone with the wind; otherwise the wrath of God would be done. The premise of (by the sweat of your money, you eat your bread) must be over, otherwise we will perish and be history. Interest-free loans are the bottom-line, because God the Almighty is in control upon the universe and its creatures. Let us say no to the scenario of the creation of fictional money for enslavement. With the help of greed of usury and usury of greed, the revolt against God the Almighty people have been tempted by evil, seduced by false reasoning and overwhelmed by science and technology’s false promises. O people, repent from the sin of all sins, usury and lending at interest.

Free democratic citizens must refuse the debt forgiveness by usurers and bankruptcy filings to the usurers, but rather the forbidding usury, once and for all. Crazy cravings for greed and exploitation must be crippled. Forgiveness and redemption to man are only granted by God. Moralist and ethicists must speak their minds and hearts to curb usury. We need a Christian and moral work ethics in the marketplace.

USURY INTEREST RATE = (Rich’s GREED – Poor’s NEED) / 100

% INTEREST RATE = (GREED – NEED) / 100

% APR = (G – N) / 100

%APR (daily) = % APR (annually) / 360

NB. 360 days, not 365 days in the year, so that the rate will be slightly higher! Glory to God

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This Web Page has been created and published in 2002.