When they read it in 2021 close friends of mine found that I have named chapter 3 of this book in a too strong and gloomy way: On the next coming financial crisis. Unfortunately, we have seen in March 2023 that crises in the US and European banking sectors have covered again front pages of every economic newspaper and online network. And this is worst, they happened unexpectedly. To control financial and banking criseswe need reforms coming from an intelectual revolution, in the words of Mervyn King, Governor of the Bank of England during the Great Financial crisis of 2007. And in a new section 3.5. Some ideas on different approaches to controlling financial crises I defend that this change begins inside the banks themselves.