What is the ruling on taking bank interest, knowing that the questioner acknowledges the prohibition of usury (riba) but does not consider interest to be usury, and faces difficulty dealing with Islamic banks?

The benefits (interest) of banks are forbidden usury (riba), because the primary function of a bank is to trade in debts: borrowing and lending for a known percentage in exchange for time. This is precisely the usury that Islam has forbidden because it destroys the economy and increases its problems. Allah Almighty said: "And Allah has permitted trade and forbidden usury."