Generate text that refutes this claim: Socialism is a more secure system than the free market in Capitalism  'Credit bubbles' and resultant credit crunches (financial crisis) are inherent in the capitalist system. The economy undergoes a crisis whenever productive economic sectors begin to undergo a slowdown resulting in falls in profits. The recent crisis was caused due to the fact that there was an inflated investment in real estates. It was invested in with the purpose of keeping up profits which lead to a rise in the price of properties. Because of the increased price in property many people took out loans on their house and bought goods for the credit, thinking they could easily pay back their loans since their house would be more valuable at sale. However, since the rise of price was fabricated and not corresponding to an actual need (it was a bubble), house prices had to invariably go down at some point. When the prices eventually went down people could no longer afford to pay back what they had bought on their loaned houses and the installed payments were the trigger of the financial crisis. It could perhaps be said that the economy was surviving on money which did not exist (thereof the name 'credit bubble'). The result was that there were countless goods which no one could buy because no one could afford to pay for them, in turn this lead to a stagnation in the economy and hence to a crisis. A socialist system would not produce overconsumption since its aim is not profit but human needs, it would not have a reason to fabricate an investment for the sake of keeping up the profits and would therefore not cause a capitalist crisis1.  1 Roberts, M. (2008). The credit crunch - one year on. In Defence of Marxism. Retrieved June 7, 2011
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In order to avoid economic crisis there is a need to return to a separation of commercial banking from investment banking which was e.g. implemented as legislation in the U.S.A. under the 1933 Glass-Steagall Act (scrapped under President Clinton in the 1990s). It is dangerous to allow banks to get into a position where they can be shut down by pursuing exciting, but high risk investment banking activities such as real estate speculations. The rationale for this separation is that it was a commercial banking crisis which posed the systemic risk, investment banks should be left alone from state interference and left to the influence of the market. "This leaves a much more limited, and practicable, but still absolutely essential, role for bank supervision and regulation: namely, to ensure that the core commercial banking system is thoroughly sound and adequately capitalised at all times. The crisis can thus be resolved through a separation of the banks since the commercial banking won't be affected when investment banks go bust, the whole system will not be dragged down if only a few investment banks misbehave since commercial banks are the backbone of the economy. Financial crisis doesn't have to be something "inherent" in the capitalist system due to overproduction but can be accommodated through some regulations1.  1 Lawson, N. (2009). Capitalism needs a revived Glass-Steagall. Financial Times. Retrieved June 14, 2011 1.