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Lending with Interest

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Why does the Torah forbid lending money with interest? The "Culture of Dependency" created by many welfare states can provide some insight in this area...
This week's Torah reading speaks about the prohibition of lending money on interest. The problem with lending on interest is that the money has now passed on to the other party, yet I continue to receive benefit for the use of the money despite its no lon...
Torah law forbids charging interest for a loan, but with a heter iska form, one is permitted to profit on invested capital. Is this not a violation of the spirit of the law? What indeed is the “spirit” of this law?
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