What is the ruling on taking profits from bank certificates to face the high cost of living, given the difficulty of engaging in trade to avoid usurious interest?

The benefits derived from investment certificates and deposits in usurious banks are absolutely unlawful (haram (definition)) and constitute usury (riba). One must dispose of these certificates by taking back only the principal. Any excess should be given to the poor and needy or spent on general Muslim welfare, with the intention of divesting oneself of unlawful money, not with the intention of giving charity. Financial status does not permit engaging in usury; rather, one must seek lawful investment methods or deal with Islamic banks.