I agree. Nothing is simple. Except that foundational fundamental of Natural Law that applies to all species. Deviants from it will not continue to thrive and evolve.

Good point about the king of the hill not relinquishing their power. Religious morality from an invisible ineffective God sure won't convince them to change their behavior - unless you've first instilled in them a strong dogmatic social virus to make them superstitious. Doesn't mean they're correct - it just means they're limited.

Yes, nothing is simple regarding "harm". Currently our corrupt matrix of oppressive systems kills by a thousand paper cuts. Endless laws, rules, and red tape. How can one person defend themselves and their family against the establishment injustices? Soooo much grey area. Religion will not simplify this conundrum. Centralizing humanity in cities is a recent situation afforded us through technology. This proximity to a vast anonymous citizenry without a sense of community is certainly a problem that religion, philosophy, and morality have yet to properly deal with - including problems with the family unit, ephemeral relationships, jealousy, and stable upbringings. It's not cheating if you have permission in the open. Tried and true religious-based traditions can certainly help, but we need more. Myths won't help.

Usury is usually done with leverage under pressure. It's exploitative and harmful.