You wrote" 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!"
I still find in Quran that taking Riba is haram unless you show me where giving Riba is haram in Quran.
You wrote "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."
Sir forget about others. You will not be asked about them. Please share how you avoid Riba based facilities like education, health etc if you believe that taking as well as giving Riba is haram, while living in a western society.
You wrote "In the circumstances does charging interest make poor old retirees Shylock and the payer deprived Miskeen?"
Is poor retiree charging interest or government is taking care of his needs?