[BizarroLand]

Credit isn't unethical. There are a lot of good things that would have never happened without credit.

Even employment is a form of credit. "I'll work X hours on this task, and at this time, you will pay me $X" is an incredibly simplified form of credit.

Borrowing a few bucks to make it to payday from your friends isn't unethical for either the lender or the payer.

Usury is what is unethical about lending, specifically unregulated usury. That, and being allowed to refuse service to people or businesses that you don't like or whose legal business your stakeholders find distasteful.

If you're in the banking or finance business, you shouldn't be allowed to choose to not provide service for citizens who are performing legal business, and you should have the amount of profit that you make from a lending transaction regulated and limited by a third party whose goal is to ensure equal treatment.