Banks have an important role in the economic financial system. They are where customers deposit money, lend money and conduct other financial transactions. Banks typically own large amounts of money and other financial assets, and can use them to invest or generate profits. These investment decisions can affect the stability of the economic and financial system and cause far-reaching effects. Investors also play an important role in the economic and financial system. They consume the products and services of businesses, create a money supply, and invest in other financial assets. The investment decisions of investors can also affect the financial supply and stability of the economic and financial system.

However, it is incorrect to accuse banks and investors of being the sole cause of the complexity of the economic and financial system. Various factors contribute to the complexity of the economic and financial system, including changes in technology, market structures, and complex regulatory requirements.