I do not remember if you call all "capitalism" crapitalism
or if your think our current system is not capitalism and so call it crapitalism (this is the way most anarcho-capitalists use the term)

I will assume you use the term crapitalism to describe any form of capitalism.

And as we talk about system, we must weigh the benefits, as well as the down sides.

Because of capitalism we have many houses.

In all other societal structures, you get FAR fewer houses.
And if you switch to any other structure, the number of good houses diminishes quickly over time.

Doesn't matter if you consider capitalism exploitive or not this is a truth.
Because of greed, and the free market to buy and sell houses, houses will get built in abundance.

Socialism and Communism destroys the drive to build houses.
Socialism and Communism destroys the drive to maintain houses.

Now, capitalism also breeds people that want to take over the money system, and rig prices.
And this, most people call crony-capitalism. Which is where we are today.

The system of fractional reserve sets up a system where the slowest runner has to declare bankruptcy. There isn't enough money in the system to pay for every loan. Its a design of the system. And do not call this capitalism, it has nothing to do with capitalism. (except that capitalism attracts greedy people)

I believe the root problem is your willingness to use subtle violence to destroy everyone's drive and make life miserable fore everyone.

The book you are putting on here doesn't answer any of my problems or questions.
I probably should start critiquing it.