How to Charge Interest for Money

I want my pencils. Why shouldn't that charge the price I want? And if I am my friend next door, he has another 15,000 pencils and we want to charge the same price. Where's the moral failure here? Just that we're not providing pencils for people to keep enough so they'll be having enough money to go on vacation. So that's a matter of charity. If you want charity for the poor, let them fix prices and take off the top 20% for charity. That's how I was thinking about it. Yeah. Well, it's not all interest rates. Bank does know we offer the same interest rate to everybody. There's discrimination