Some reflections by the sages on how bad it is to lend with interest - where the mishnah seemed to allow it after all, at least with regard to non-Jews. The distinction between righteous people and regular people provides good food for thought. Also, what happens when one has lend funds with a guarantor, and how interest can apparently become part of the transaction, including when a non-Jew decides to function in accord with Jewish law. But a Jew can lend out a non-Jew's money with the non-Jew's consent.