What is the ruling on the investment certificate issued by commercial banks in Egypt, which involves paying monthly installments to obtain a lump sum after a specified period, with the bank covering the remaining installments in case of the subscriber's death?

Usury is forbidden by Islamic law and is considered one of the major sins that constitute waging war against Allah Almighty. One form of it is a customer paying 18,0 to receive 100,0, which is precisely usury. Furthermore, the bank’s repayment of the remaining installments in the event of death falls under the categories of gharar (excessive uncertainty/risk) and maysir (gambling), and it is a form of forbidden life insurance. Therefore, one must avoid dealing with usurious banks.