Do Islamic banks dealing with the Murabaha system, which takes multiple times what usurious banks take, make dealing with them permissible merely because they bear the name "Islamic"? And is it permissible to deal with usurious banks within the limits of Sharia controls due to the lack of a clear Islamic alternative, especially with the presence of ambiguities in all banks?

The fact that Islamic banks charge higher commissions than interest-based (riba-based) banks does not permit dealing with the latter in riba. The higher charges by Islamic banks can be considered a support for their operations, as the goal of Islamic banks is to adhere to Sharia (definition) regulations, with the presence of a Sharia supervisory board. The ruling on dealing with interest-based banks varies depending on the type of transaction; some are permissible and some are forbidden, such as opening a current account in them, because it constitutes aiding in what is forbidden. If a person is compelled to deal with an interest-based bank in a forbidden transaction, there is no sin, provided that the necessity is urgent to the point of perishing or near perishing, and that they cannot find a permissible solution. When issuing rulings on financial transactions, one must refer to experts in economics.