yeah, but interest, at least according to modern monetary theory schizophrenia, is supposed to pay for the rabbi's "risk" [of getting paper-cuts from flipping the talmud pages too often or scratching his skin while clipping coins]. so without the money's actual owner spending, there is no risk for euroclear, but the owner suffers not just a risk, but a large loss of opportunity. so the interest payment belongs to him. or we could say it in ye old way; to declare interest to be usury and therefore theft.
Germany