English: It is widely believed that risky behaviour by banks caused the 2007-8 financial crisis. In fact it is avoiding risk, not taking it, that creates the financial storms that crash our economy. Frances Coppola depicts that not only the Great Financial Crisis itself, but also the Eurozone crisis, were financial storms caused by cross-border financial flows which were driven by the search for high yield at zero risk. She discussed the often ignored role of insurance in creating these storms. Frances Coppola is the author of the Coppola Comment finance and economics blog, a contributor to Forbes, and an ad-hoc writer for the Independent, the Financial Times, Open Democracy, and other news media, as well as several financial industry publications. She is a frequent commentator on matters economic and financial for the BBC.