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In this video tutorial, Suchi Deland discusses the role of credit rating agencies and their effects on individual investors. She explains that errors made by these agencies have direct consequences for investors, as banks largely dictate the demand for ratings when approving loans. With banks receiving bailouts funded by taxpayers, the financial impact of bad loans, estimated between 10 lakh crore and 20 lakh crore, drains money from the system. Additionally, under bankruptcy laws, bankers who collaborate with companies are prioritized for repayment, leaving investors in funds and other instruments as unsecured creditors, often resulting in financial losses for them.