It should be noted that the reasons we borrow money today is different than why it was done in the past.
In the past, the "average" person was usually a farmer, and if they needed to borrow money, it was probably because their crops had failed and they needed to money to buy food to feed themselves. It was unseemly to lend money to someone who, without it, would die.
Borrowing money nowadays is usually for mortgages and consumer spending. Very different situations, with different moral contexts.
Of course some people do still need money to survive, which is where payday loans tend to come in, and I think a lot of people find them distasteful--and the fact that people in our society may need to use them also a sad reflection on our society.
So "usury" was/is considered morally wrong not because of the charging of interest, but of the moral context under which it used to be done. There are of course 'usury laws', but they reflect the idea that charging more than x% interest unseemly because there should be no need for it (to produce a reasonable ROI).