Thanks. That helps a lot.
A follow up question:
I am reading a book on Ribbis by an author whose last name is Gornish. He states that if a Jew is an apostate and converts to another religion, I can lend to him with interest.
Rabbi Tovia Singer is a Rabbi that works with saving Jews from going to other religions. He has told me Rabbi that you can not ever really convert out of Judaism. Thus, if you convert to Christianity, you are still a Jew.
If that is the case, lending to that person with interest is Ribbis Ketzutzah. How is it not? The Rabbis can passively not do a positive commandment but they can't allow a negative prohibition.
Have a good Yom Tov! What will you be studying tonight?
The Tosfos (Avodah Zarah 26b) and other Rishonim (see Ramban Bava Metzia 71b) learn from a verse ("v'Chei Achicha Imach") that the prohibition of Ribis does not apply to an apostate, even though he is, of course, still a Jew.
M. Kornfeld