The high rates of mari­time usu­ries are based on two things : the peril of the sea, which makes a per­son risk len­ding his money only in order to acquire much more, and the faci­lity which com­merce offers the bor­ro­wer to close large and nume­rous deals in short order ; whe­reas real estate usu­ries, being based on nei­ther of these two rea­sons, are either for­bid­den by legis­la­tors or redu­ced to fair limits, which makes more sense.