Its true that between family members this may be the case on a very small scale.
For example, your mother might loan you some money to pay rent, but you dont get around to pay her back. This isnt really thievery, assuming your mother loves you. However it is undeniable that in that situation, the mother took the loss. Perhaps she considered it a gift to her son.
To non family members, Im not so inclined to give gifts to. Even if they have the same skin color as me.
Because although they are my countrymen, they may also be lazy niggers, or psychopathic kikes, they show up in all races. If I just give out money to whoever asks for it, Ill quickly wake up destitute. The laziest and most amoral will shamelessly take the money and the prideful hard workers would never shame themselves so, it would enrich scumbags and ruin me.
Maybe some legendary ethnic group exists with nothing but high time preference high trust individuals, but Ive never heard of it. Whites are the best by far, but theres always a white nigger or cryptojew somewhere. If you believe in the demon possession model, people can be possessed to do evil. Maybe they just go crazy.
But interest isnt intrinsically bad
Government backed banks are bad
Socialism and globalism are bad
Capitalism is good