The First Islamic-Banking Lecture is to not create Interests from Credits because this will lead to demise.

Money in our Economic System is created through credit while the bank wants more money from you back than they gave, the money they want doesn't exist in the first place and that means to repay the debt, you need to take another credit and that explains why the Planet is indebted and debt rises exponentially and there is no country on earth with no debts.

"If you want to pay the debts of the world, there would be no more money" but still debts in the amount of interest !!!

-Franz Hörmann Economist and adjunct professor at the Institute for Auditing, Fiduciary and Accounting at Vienna University of Economics and Business.