AE perspective on Usury and State Banking

1) Would like to know the Austrian perspective on Usury particularly charging interest on loans no matter how high or low

2) State banks

Page is from War Cycles–Peace Cycles by Richard Kelly Hoskins

https://preview.redd.it/qy7givnqtwye1.jpg?width=596&format=pjpg&auto=webp&s=fcaa673bffbf5768c2f37455a9d7c3dab549a643