In a system of Riba, how do you protect yourself?

Any form ‘Time value of money’ is Riba.
Any financial transaction/contract where the quantity of the comodity used strictly as a medium of exchange/store of value , is supposed to change not as a result of a natural process of depletion or growth but at an artificially defined rate, the ‘flux’ in the commodity’s quantity is a form of Riba. - Anyhow this is one definition I learnt from a scholar ,

I believe you should do more research on this subject to clarify any doubts in your mind.