Ada yang keliru melihat pelbagai fatwa dan pandangan ulama diberikan dalam satu-satu isu, sama ada isu yang melibatkan cabang aqidah, lebih lagi dalam isu hukum ibadah, muamalat dan sebagainya. Lebih mendukacitakan terdapat yang begitu 'tidak faham' atau sengaja 'buat-buat tidak faham' sehingga ke peringkat menuduh para ulama mencipta hukum halal dan haram menurut nafsu dan kehendak mereka sendiri, puak ini bukan sahaja menuduh dengan tuduhan sedemikian, malah menjustifikasikan tuduhan mereka dengan mengatakan ulama ini telah mencabuli hak Allah yang  boleh menetapkan hukum.

Kecetekan ilmu khususnya berkenaan Fiqh dan Usul Fiqh serta peranan dan tugas para ilmuan Islam adalah antara punca tuduhan liar sedemikian berlaku. Kejahilan ini menyebabkan ada sebahagian mereka mencerca ilmuan Islam sebagai 'ingin jadi tuhan' kerana mengharamkan sesuatu, khususnya apabila bertentangan dengan kesukaan mereka.

In the last decade, we have seen phenomenal and unprecedented growth in both practice of Islamic finance and literature on the topic, notwithstanding the fact, the understanding of such subject is still to be an alien theme within the consumers, especially for those who in the Muslim community. Islamic finance is supposed to be offered and served to the Muslim community as their priority, however in Malaysia, the statistic shows that the subscribers to the Islamic banking products are dominated by the non-Muslim clients. Why is this happened? It is because of the gap of knowledge of Islamic finance in Muslim community.

Many books which have been written in this subject typically found to be very technical with lot of jargons, inconceivable mathematical formulas, calculations and financial terminologies. Despite considerable researches and books published, they appeared to be written only to those who are already knowledgeable in the subject and restricted for those who involves in developing the banking products, or in other words, most of the books are for bankers and not an ordinary and a layman people. As a result, leaving lot of consumers especially Muslim in a confusion in regard to precisely defining an ‘Islamic banking' and its application. This has left lot of people, far behind from comprehending the true concept of Islamic banking and finance, their applications, features and how these Islamic products could benefits their financial life.