Is selling in installments in exchange for a usurious transaction a clear and cunning circumvention of God's law, taking into consideration the evidence of prohibition from the forbiddance of "two sales in one sale" and the interpretation of verse 280 from Surat Al-Baqarah, and the exploitation of the poor's need?

Most jurists and the four schools of thought permit selling with an increased price for deferred payment compared to cash payment, a view affirmed by Sheikh Ibn Baz. They hold that the increase for the sake of deferment is not usury (riba), because both the seller and the buyer benefit from this transaction. They also believe that this sale does not fall under prohibited deception, nor does the prohibition of "two sales in one sale" apply to it.