Two eminent bankers have an academic discussion related to the business of a bank. One of them maintains that "The business of a bank is to capture resources from the general public and channel these resources through loans to third parties, to generate profits at all costs." The other banker maintains that "The business of a bank is knowing how to measure and assume financial risks."

Analyze these statements and with technical criteria, he feels his own position. Before answering, he performs an analysis of the history of financial crises.