I agree. All investments carry a greater or lesser risk, which the investor will wear according to the investor's tolerance and awareness of the risks involved.
I was responding to a previous post which brought up the term "bordering on usury" in relation to Harmoney. "Usury" is not a "neutral" word and its meaning involves judgment or conscience as to what is reasonable according to the ethical or moral standpoint of the person who uses it.
Usury is, today, the practice of making unethical or immoral monetary loans that unfairly enrich the lender. Wikipaedia
https://en.wikipedia.org/wiki/Usury
an unconscionable or exorbitant rate or amount of interest Merriam-Webster
The action or practice of lending money at unreasonably high rates of interest: ‘the medieval prohibition on usury Oxford Dictionary
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