I'd rather, serving today as the chief haiwat chee-chee-chee of the Church of You're not the Boss of me, declare that the doctrine of usury as sin is in itself sinful and shall cease immediately. except for credit card issuers. they will get their instructions separately, in sealed envelopes. at the South Pole.
All right...I'm starting the Church of What's Happening Now, and as the founding prelate, I proclaim that it's forbidden (forbidden I say!) to pay interest on loans of any size! In fact, I think we'll review whether or not it's compliant to pay any amount for anything.
The city just needs to make sure that the cost of building the house isn't excessive by doing things such as not treating builders as cash cows.
People will figure out ways to buy them.
Who's with me?