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作者: Adam Smith

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When the law prohibits interest altogether, it does not prevent
it. Many people must borrow, and nobody will lend without such a
consideration for the use of their money as is suitable, not only
to what can be made by the use of it, but to the difficulty and
danger of evading the law. The high rate of interest among all
Mahometan nations is accounted for by M. Montesquieu, not from
their poverty, but partly from this, and partly from the
difficulty of recovering the money.

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