It can be really difficult not to choose other options when things seem to take too long. There are a lot more waiting periods than we would like (at least more than I would like). Normally things work out better if we just wait and don't try to rush things when we know we're supposed to be patient.

Since you mentioned usury, I thought you might like these recent posts (a week old) by @protegeaa where he talked about it. Interesting stuff!

https://steemit.com/catholic/@protegeaa/whyweneedtopayattentiontousury-wobhvty4wq

https://steemit.com/catholic/@protegeaa/usuryandcryptocurrency-qdobhkm0nn