I feel you’re pussyfooting on your paragraph 2 by creating and assigning the opinion to God. This is contrary to what you say you don’t care opinion except for the rule!
Western countries have a public retirement system to support the livelihood of old retirees. I am sure you will delight and enjoy it one day. Though this is all interest based so money can snowball to meet growing recipients. Pakistan does not have one and most retirees fall back on National Saving schemes or Defense Savings schemes that offer high savings return to sustain part of retiree expense. Many elderly, Moulvis and Maulanas have no option but take this interest to buy groceries.
In the circumstances does charging interest make poor old retirees Shylock and the payer deprived Miskeen?