There is a good move about how market works and how rating compaies did not worned us before GFC in 2008. In "Big Short" there is a memorable scene about how a person from an auditing company explains that he have to give A rating , in another case his client will go to another rating company to get it. The only difference is that someone else will earn for the service.

There are not comming here to help us. They came here because they see a product they can earn on which is "bribe for good rating". Can't wait for 2030 huge crypto collapse after A+ rating stable coin going bust.