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If the verdicts of different Marja' s are different on certain matter, you must follow the most knowledgeable Marja'.

It is never a matter of personal convenience but the Islamic duty to follow the most learned.

Wassalam.

as salam alaikum

this opinion of some Maraji' is based on ahadith like the followings:

It has been reported that the Prophet, peace be upon him and his family, said: "There is no Riba between us and the people who fight us".

It has been reported that Imam Sadiq, peace be upon him, said: "There is no Riba between a Muslim and a Dhimmi".

On the other hand, we find hadith like:

It has been reportes that it was asked to Imam al-Baqir, peace be upon him, "Is there any Riba between me and the polytheists"? The Imam answered: "Yes". 

All the above-mentioned ahadith can be found in the book "Wasa'il al-Shi'ah" by Shaykh  Hurr al-'Amili.

Another evidence is given by the fact that taking the money from a non-Muslim with mutual consent is allowed by consensus; therefore the interest taken from a non-Muslims should fall in the same category.

However Riba is one of the major sins and it is categorically condemned in the Qur'an and sahih ahadith with no exceptions. That is why you may find ulama that have opted for a more precautionary stance not allowing Riba in its absolute sense.

With prayers for your success.

Kaffara has many types e.g. Kaffara of not fasting during the month of Ramadhan, which is feeding sixty poor believers for every missed day of fast, and Kaffara of traveling in a covered vehicle during the state of Ehraam for men in Hajj or Umra which is slaughtering a sheep and distributing it among the poor believers, and Kaffara of not fulfilling an oath, which is feeding ten poor believers or clothing them. These types of Kaffara can be given as material not cash to the poor believers directly.

Wassalam.

Ahlul Khibra are the experienced scholars in the Hawza who have the full ability to evaluate the standard of knowledge of highest scholars and give scientific opinion about who is the most knowledgeable among all the scholars. They do not need to be Maraaji' themselves. They are not any normal scholar or intermediate students at Hawza.

Wassalam.