单利的计算取决于所借款项或贷款的金额（本金），资金借用时间的长短及市场一般利率水平等因素。
The cost of borrowing, or the return on lending money. It is calculated on the amount borrowed or lent(the principal), the length of time the funds are borrowed for, …
于是每当他们因为时间所剩无几而阵脚大乱时，他们总是急着要求借用时间，几乎没人意识到游戏设计者其实是在“放高利贷”。
When they were scrambling amid time scarcity, they were quick to borrow time, and they were nearly oblivious to the usurious interest rates the game organizers were charging.
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