Jurisprudence is a big field of Islamic knowledge which has its own experts who spend decades of years to be able to study the evidence from Quranic verses after going through all the fields of Quranic studies, and the authentic Hadeeths after going through the fields of Hadeeth and Rijaal which deals with assessing the authenticity of every narration. We also have the principles of Fiqh which is logic of jurisprudential thinking.
'You need to go through the evidence confirmed by the great jurisprudence scholars or Maraaji' of Taqleed to see the reasons of any Islamic rule including your question.
'In brief, Islam does not permit RIBA (usury) between Muslims, but not every interest known today is usury. When non Muslims keep your money and put is their business and give you whatever they everyone else from their profit, it is permissible for you to accept it. This is according to the jurisprudence evidence which has details in jurisprudence books written by the Maraaje' of Taqleed. You are accepting what they usually give to every one who keeps his money with them as part of their business.
There are many useful books e.g. Then I was Guided by Dr Tijani , Thr Right Path by Sayyed Sharafuddin, You can find on these websites lot of useful books
Shia Muslims follow the authentic Sunnah of the Prophet Muhammad (SAWA) which was taken from the most reliable narrators who are Ahlul Bayt (AS). Non Shia Muslims follow weak narrations fabricated by their rulers who did not care for the real Sunnah but paid money to narrators to fabricate whatever the rulers wanted. Wiping over the socks is against Quran which orders to wipe over the feet not the socks. Sura 5, verse 6.
If you feel that Mut'ah marriage is the only way to protect you from sinning, then you should go for it and do your best to save yourself from any sinful act. Virgin girl needs her father's permission for any type of marriage.
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