The rich rule over the poor, and the borrower is servant to the lender (Proverbs 22:07).
This is not God’s design.
God gives us more than we need so that we can be a servant to those in need. The idea is not to amass money in order to loan to those who lack it to get even more money through interest and repayment. The idea is to seek out who you can help with education, encouragement AND finances and serve them until they are strong enough to give to others themselves. When you prove yourself trustworthy in a little, God will entrust you with more. Not to spend on your pleasures, but to serve more and bring more joy (Jesus) into the world.