Respected Shaykh, Assalamu Alaykum wa rahmatullahi wa barakatuhu. Is interest a necessity like other prohibited things which are prohibited due to necessity? الربا عند الضرورة

All praise is due to Allah. May Allah's peace and blessings be upon our Prophet Muhammad, his family, and all his companions.
To proceed:
Both types of interest, the interest of sales, and the interest of loans are from the greatest destructive sins. Many texts from the Qur'aan and the Sunnah prohibited interest. Therefore, it is imperative for a Muslim to avoid all these types of interest because of Allah's statement: " O you who have believed, do not consume usury, doubled and multiplied, but fear Allah that you may be successful" [al-'Imran: 130] and similar proofs.
What is apparent to me is that interest is not different from the rest of the prohibited things. A number of jurists from the Maalikites, the Shaafi'tes, and the Hambalite mentioned issues which indicated that interest is permissible at times of necessity.
However, it is must be noted that a necessity must really be present before engaging in interest. A necessity is doing what is unavoidable, and makes a prohibited thing permissible based on two conditions:
Firstly: It should be imperative to engage in the prohibited thing to avert harm.
Secondly: It should be certain that the prohibited thing averts harm.
If there is confusion as to whether these two conditions are fulfilled in an issue, then the original which is the impermissibility of interest should be used. O Allah! Guide us and save us from the evil of ourselves.

Shaykh Khalid al-Mosleh
6/10/1426 H