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

[USResident]

@dormant

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.

I have done some research and would like discuss different aspects of Riba. Not that things are not clear in my head but have a healthy discussion, for we learn a lot from such academic discussions.

Mt first and foremost understanding is that Riba was forbidden to preserve injustice among trades or transactions and to preserve market competition. So the economic substance is important as compared to the contract language.

Time based value of money is but one aspect of Riba, which depends on the difference between commodity money and fiat money of today. Though in principle both are used for similar reasons today.