Ubitquin,
You truncated the halacha in the SA. It says “necessary for life” (שאין לו לאדם להרויח בדברים שיש בהם חיי נפש). Today as is well known that nothing is in that category as everything has substitutes. I personally have a friend whose wife never eats bread or matza except at the seder. I also do not eat bread on weekdays except for seudot mitzva (e.g. a siyum). I also know a bit about Jewish and general history and economics. Free enterprise results in lower prices. When I was in college forty-five years ago my father z”l bought me a simple four-function calculator for $85. Today, that same calculator costs $8.99 (I just checked) – despite the CPI is about 5.8 times higher. On the other hand, price controls always cause shortages and black markets – even where the latter was punishable by death. In Israel there was rational just after the State was established – and almost everyone was involved in the black market. Finally it had to be repealed.
The issur of ribbit is also mostly as inapplicable today as carrying on Shabbat. Every financial institution in Israel has a heter iska (and really it is not certain that a corporation needs one) just as every community (except for one moshav that has a large Karaite population) has an eruv. The issur of ribbit is in YOreh Deah and not Choshen Mishpat for a reason.