results of Murabahah were more familiar to bankers, and that profit and loss sharing turned out to be far more risky and costly than proponents had hoped.) Murabaha and trade-based mode of finance The similarity between credit sales and conventional non-Islamic ("ribawi") loans has been noted (some calling murabaha a "semantic work-around" for interest charging loans), necessary because businesses "cannot survive where cash and credit prices are equal", and urges that bank interest not be judged haram. Critics complained that in the eyes of standard accounting practices and truth-in-lending regulations there is no distinction between (for example) getting 90 days credit on a Rs10000 (cash price) product and paying an extra Rs500 (allowed), or taking out a 90 day loan of Rs10000 that charges interest totaling Rs500 (forbidden). Orthodox writers (such as Monzer Kahf) have defended the distinction stating attaching commodities to money in finance prevents money from being used for speculative purposes. (see: Quran and credit sales and late payment) Usmani insists that the phrase "God has permitted trade..." from Quranic verse 2:275, refers to credit sales such as murabaha, so that "taking the time of payment into consideration" in paying more for a product/commodity, does not come "within the ambit of interest", i.e riba. Paying more for credit when buying a product does not violate sharia law — the reasoning goes — because it is "an exchange of commodities for money", while a bank loan is "an exchange of money for money" and forbidden unless interest is zero. The buyer in a credit sale is paying not "principal" and "interest", but "cost" and "profit". Other orthodox scholars (A.I. Qureshi, M.A. El-Gamal), instead of giving a rationale, declare that the difference is knowable only to God, something humans must obey without understanding. The permissibility of the first [trade] and the prohibition of the second [usury/interest] are both quite clear and unequivocal ... Why one is permitted while the other is forbidden can only be fully known by Allah and whomsoever he gave such knowledge. As a practical matter, we should know what is permitted and use it to our advantage, and what is forbidden and avoid it. Credit sales do not follow the Islamic ideal called for by pioneers of Islamic banking of doing away with the "injustice" and exploitation of un-shared profits and losses in finance. Orthodox scholars have expressed a lack of enthusiasm for murabaha credit sales-based