The paper discusses how financial factors are crucial in understanding the economy. It points out that mainstream economic theories often overlook the impact of finance. The researchers argue that short-term monetary policies have serious flaws. They also highlight the difference between money creation and credit creation. The paper suggests that fiscal and credit mechanisms are closely linked. It emphasizes that financial innovation can change the economic landscape. Lastly, it states that bubble economies are fueled by increasing debt. Overall, the study suggests that economic theories need to include financial factors more effectively.