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In this segment of "Money Life," Sucha Deland discusses the complex topic of credit rating agencies and their impact on individual investors. The video highlights that mistakes made by these agencies can lead to significant repercussions, particularly for investors who end up bearing the costs. While 90% of ratings are commissioned by banks prior to issuing loans, these banks receive bailouts funded by taxpayers, affecting everyone—even those without bank accounts. The staggering amount of bad loans ranges between 10 to 20 lakh crore. Furthermore, under bankruptcy laws, bankers receive prioritized repayment as secured creditors, putting unsecured investors—like those using mutual funds and non-convertible debentures—at a disadvantage, often leaving them with nothing.