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Finance...a word with a peculiar resonance, a mixture of rational and mystery, precision and "casino game". The evolution of the world highlights the need for rigorous financial organizations, profit-oriented. Economic practice has shown that in many cases the profit is obtained at any cost, sacrificing people and environment. In strict financial terms this means circumventing the future for the present moment. Can it go on like this? What are the limits of tolerance for this behaviour? The retrospective of its reappearance and manifestation of the crisis all over again highlights serious gaps in the perception financial phenomenon. The worst seems to be the conviction instituted before the crisis that in the financial environment, the economy will evolve perpetually on an ascendant trend without recession or crisis. Financial principles such as risk dispersion, ensuring an optimum return - risk ratio were excluded from the financial practice and thus the inevitable happened. Thebasic base of financial decision is return-risk tandem, around which have been built lots of theories and scientific models treated in my own vision.