rding to equality of justice if he is repaid as much as he lent.
Wherefore if he exacts more for the usufruct of a thing which has no
other use but the consumption of its substance, he exacts a price of
something non-existent: and so his exaction is unjust.

Reply Obj. 6: The principal use of a silver vessel is not its
consumption, and so one may lawfully sell its use while retaining
one's ownership of it. On the other hand the principal use of silver
money is sinking it in exchange, so that it is not lawful to sell its
use and at the same time expect the restitution of the amount lent.
It must be observed, however, that the secondary use of silver
vessels may be an exchange, and such use may not be lawfully sold. In
like manner there may be some secondary use of silver money; for
instance, a man might lend coins for show, or to be used as security.

Reply Obj. 7: He who gives usury does not give it voluntarily simply,
but under a certain necessity, in so far as he needs to borrow money
which the owner is unwilling to lend without usury.
_______________________

SECOND ARTICLE [II-II, Q. 78, Art. 2]

Whether It Is Lawful to Ask for Any Other Kind of Consideration for
Money Lent?

Objection 1: It would seem that one may ask for some other kind of
consideration for money lent. For everyone may lawfully seek to
indemnify himself. Now sometimes a man suffers loss through lending
money. Therefore he may lawfully ask for or even exact something else
besides the money lent.

Obj. 2: Further, as stated in _Ethic._ v, 5, one is in duty bound by
a point of honor, to repay anyone who has done us a favor. Now to
lend money to one who is in straits is to do him a favor for which he
should be grateful. Therefore the recipient of a loan, is bound by a
natural debt to repay something. Now it does not seem unlawful to
bind oneself to an obligation of the natural law. Therefore it is not
unlawful, in lending money to anyone, to demand some sort of
compensation as condition of the loan.

Obj. 3: Further, just as there is real remuneration, so is there
verbal remuneration, and remuneration by service, as a gloss says on
Isa. 33:15, "Blessed is he that shaketh his hands from all bribes
[*Vulg.: 'Which of you shall dwell with everlasting burnings? . . .
He that shaketh his hands from all bribes.']." Now it is lawful to
accept service or praise from one to whom one has lent money.
Therefore in like manner it is lawful to accept any o