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Effective usury laws:

Asubsidize lenders.
Bpenalize those who borrow at the below-market interest rate.
Cimprove efficiency in investing.
Dkeep some low-income people from obtaining credit and loans.

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b) penalize those who borrow at the below-market interest rate.

Natural law is an ethical belief that is supposed to be inherent in human nature and is discoverable by reason rather than by revelation. It is also a nonlogically necessary truth; a law of nature. 

The spread of public education has considerably impacted the current culture of the every corner of the world. Without the public education, we could have stayed ignorant until now. The current culture that we have right now is already a civilized one. Gone are the days when our judicial means are conducted without due process. Gone are the days when the people roam around almost naked. Gone are the pagan days. The public education of law, religion, ethics, etc, have really molded the exact kind of people we are right now and the exact tradition we're currently into.

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