You've outlined a great number of examples on how usurious policies have created an insane amount of debt that can never be repaid.

Debt is good when used to leverage a business up; for instance, if you have 10k orders to fill and you don't have the capital to buy supplies fast enough. But it's a terrible public policy tool, as we just end up borrowing from our children and grandchildren for stuff now... usually stuff that is just graft for politicians.