This seemed impossible to use a theoretically adequate but too sophisticated risk measure called non-ruin capital, whence its widespread (including regulatory documents) replacement with an inadequate, but simple risk measure called Value-at-Risk. Conflicting with the idea by Albert Einstein that "everything should be made as simple as possible, but not simpler", this led to fallacious, and even deceitful (but generally accepted) standards and recommendations. Arguing from the standpoint of mathematical theory of risk, we aim to break this impasse.