Hi,
One of the reasons is that the video data is a continous stream of data. While editiing and capturing.
The system disk is also busy with the programm (FCP) and the OS (swapping, internal maintenance etc). So it can happen that while capturing the disk is used for other data exchange and FCP cannot deliver its data (dropped frames). It cannot be predicted when this happens. Same can happen while editing, but then at least you have the data correctly on disk.
So, as already stated by the big boss, always a seperate scratch/data disk. Spead issue but it also prevents errors and lost frames.