I just realized what I loathe about "credit ratings": this is commercial America's way to say that you're only worth what you can borrow! Your worth, your value, is based on how much debt you can acquire! The more debt you can accumulate, the more substantial you are. Wow. Isn't this an exact parallel of the status of our national debt? Now that America owes more than ever before, have we finally "arrived"?
Credit ratings are just another tool of commercial enslavement - making sure that you live beyond your means so that you can be controlled FOREVER.
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