Are the believers instructed to not to eat Al-Riba and does that mean Al-Riba goes to a place where it goes through the believers and believers can eat it by not giving it to the designated place?

Surah Al-i'Imran: 3 Ayah: 130

Arabic

يَا أَيُّهَا الَّذِينَ آمَنُوا لَا تَأْكُلُوا ٱلرِّبَوٰاْ أَضْعَافًا مُضَاعَفَةً ۖ وَاتَّقُوا اللَّهَ لَعَلَّكُمْ تُفْلِحُونَ

Urdu

اےایمان والو! دگنا چوگنا سود نہ کھاؤ اور خدا سے ڈرو تاکہ نجات حاصل کرو

English

O ye who believe! Devour not usury, doubled and multiplied; but fear Allah; that ye may (really) prosper.