What is the purpose of Usury Laws?
A. To govern the assignability of contracts.
B. To prohibit charging excess interest on loans.
C. To govern contracts involving the sale of goods.
D. To establish the value of consideration.

B) To prohibit charging excess interest on loans.

Without these laws in place, price gouging (more or less) is very possible. Though with things like high interest rate on credit cards, it's a bit vague and unclear just what constitutes "unreasonable" in terms of how high the rate gets. It seems subjective in my opinion.

nigger, that word was originated for white folks   to keep black people under

and when black people use it, they know that's just how they greet each other

and when white folks use it, they know there's a double meaning under