Under Section 347 of the Canadian Criminal Code, an annual rate of interest that exceeds \(60 \%\) under a credit agreement is a "criminal" rate of interest. The term "interest" is defined to include not only ordinary commercial interest but also any fees, fines, expenses, shares, and royalties payable to a lender. What effect does a usury law like this have on lenders who are still willing to loan money at illegally high rates with the hope that the authorities do not catch them?