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because you're still paying out the ass on usurious loans
Imagine if the 19th century mutualists had their way and you could get a loan for a house and pay either no interest or, at most, a fraction of a percent, just enough to cover the costs of the actual labor involved in servicing your loan
Capitalist dipshits act like communists are so extreme and yet in their own radicalism they've prevented even the most milquetoast compromise that would ameliorate the exploitation inherent to capitalist wage labor. And every day it just gets worse as they fight to undo every slight gain won through the sweat and blood of unions fighting to achieve a more equitable future.
Verily doth it be so. As well doest the insurance leeches bleed onnes wallet
Mortgages are as far from usury as you can get in the US. Rates are kept artificially low by Fannie and Freddie, especially offering 30 year fixed rates.