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Ultimately interest rates are favoured significantly unfairly towards the profit of banks and lenders and grossly disadvantage the borrower.
Interest rates contributed to the current recession due to banks irresponsibly distributing high-risk loans on under the premise of returns from interest.On a wider scale, it could be suggested that it is the general society - the smaller/medium sized businesses, the lower/middle income earners and the ordinary folk who are most greatly disadvantaged as they are repaying an ever an increasing amount of debt.

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