Other than finding a new thread to troll badly, i fear you would be "shocked" if you bothered to read enough to understand the process of credit ratings.

Also, those educated hedge fund guys do a good job at losing value and only a random 1/3rd actually beat a simple index tracker.  If you wanted a nice and safe regulated market, no one would have bothered to come to Bitcoin.  If people like unregulated, wild-west, high stakes than this is the place to be.