3. I’m not sure if you are being serious. In case you are let me cclarify.
If I want to borrow money from you so I can start my pizza sstore. It is an issur deoraysa for you to charge me interest. Period.
Yes the rishonim came up with a “workaround” where instead of terming the loan as a loan we call it an investment. But that doesn’t change my point.
4. That is quite a lot of “ifs” none of which are present in free market capitalism, where competition is valued for its own sake.
Yes IF I am selling specialty pizzas (in other words I am not actually competing !!!!) Then there are cases where it is not an issur of hasagas devil.
5. I’m super curious to hear how you get onaas mamon to fit with free market capitalism