but i'm not sure.

usury
[ˈyo͞oZH(ə)rē]
NOUN

the illegal action or practice of lending money at unreasonably high rates of interest.
"the medieval prohibition on usury"
synonyms:
extortionate moneylending · payday lending · loan-sharking · shylocking
archaic
interest at unreasonably high rates.

basically yeah

so just lending money at high rates?

if one bank lends money at an "unreasonably high rate" then people won't borrow money form that bank unless they are a fool.

or unless that bank is the only service within reasonable reach

the only thing about lending i would be against is passing debt to famely of the debter.

other then that it is between you and the person you signed a contract with.

well debt is debt, it doesn't just die if you do

at that point the bank would be able to claim the collateral, if there was none then yes, it does.

not unless there was family for that debt to migrate to

that's why the bank repos a car if you don't pay, they own the car until you pay in full, so says the paperwork you signed.

and there's realistically nothing stopping lenders from doing that without a central authority to penalize it

if the debt is on a house and the family wants to keep the house then yes, they take on that debt.

if they are saying "hay kid, you dad owed me a pile of money but he is dead so now you owe me that money" that is wrong and I would empower the government to block someone form doing that, but I would not empower the government form setting the interest rate.

again, that would be part of the contract you signed with the bank.

well that's something at least

I would also note that the government has the power to demand what ever they want form you and the power to take it by any force needed.
they can go to your bank and demand access to your account.
they can go to your employer and demand your pay directly form them.
that to me is much worse then a %100 interest rate over a year.

...
I also don't know what "service" is so important that the government should be able to compete with it.

I have come up with a simple way to provide everything you need form "public utilities" by the way.

water could be trucked in and stored in tanks in your home like fuel oil, I bet people would be much better about saveing water then when it isn't just something they are hooked up to but something they have to buy by the gallon and have shipped in.
assueming you can't just drill a water well.

electricity can be made on site rather easy, and you have your pick of fuels and storage options, that's up to you and your needs.

Phone and internet are nice but not %100 needed, now with cell phones and satlite you have plenty of options for that as well.

Sewer is done the way anyone who doesn't live in a city does it, you just have a tank that stores the crap and you call a pump truck when it gets full.

You can just dig a pit for the shit

If your soil is soft and porous

The soil I. The ground not the soil in your ass

that's an option as well in the right places, but I was thinking of in places where people are used to haveing all of this stuff as standard, so cities mostly.

in truth most of this stuff will still be cheaper to get it the normal way, but my point is there ARE options.

A sewer doesn't require any power once its in and if its installed properly

also the gov running stuff doesn't keep it safe, wasn't there a city in michigan that had bad water?

if those pipes weren't regulated by the local gov i would be very surprised.

...
one of the things that bothers me when people want the government as a service provider (for any service) is "the government doesn't even do it's actual job well! why on earth would you want them to do something else?"

No need for gov regulation on sewers. If it flows out on end and in the other it works

it was flint michigan, and it was their water pipes.

but yes, I agree a sewer company wouldn't need the government to tell them if their pipes are gonna flow proper or not, they will do that fine on their own.

more likely the government regs will make the pipes flow worse.

Government regs would be like "employ plumbers for 40c an hour and get them to do the bits near environmental concerns"

gotta make the sewer safe for the gators don't you know!

(honestly, would such a reg surprise you in the slightest?)

In British construction law no it wouldn't but over the seas in the americas it wouldn't surprise me one bit

well for the British it would be the rats.

So has Kim Jung Un done anything about his gift?

go on....

You know being in the clear advantage of being nuked out of orbit if they put a dent in the US?