Financial crises are a common part of capitalism, often caused by interest rates disrupting the balance between real and financial sectors. A study of US markets from 1993-2014 found that high interest rates lead to debt market expansion, asset bubbles, and economic instability. Greed and speculation further inflate asset prices, worsening the separation between real and financial sectors. This reduces resources for the real economy, leading to lower growth and employment. While some policies aim to reduce financial risks, they can't fix the fundamental issues with financial contracts. Islamic financial rules offer more stability and resilience to the system.