The Quran forbids usury, not interest. Quite a few states in USA have laws against usury. Usury is defined as excessive interest. The Quran forbids Reba or usury. Earning interest and paying interest is perfectly acceptable, as the Quran has not prohibited interest.
Interest is an essential component of the financial aspect of an individual or an organization.
Individuals may need to save money in a bank, may carry a credit card for convenience, or may borrow and pay interest for an automobile or to own a house. Borrowing money and thus paying interest for business loans is an essential component for business and organizations. Also earning interest from a financial institution like a bank or bonds or mutual fund is also fine. As defined above usury is excessive interest. Such unlicensed or illegal moneylenders are all over the world and can easily be accessed by a few inquiries.