This happens already. There was an article linked here some time about it. The twist was that the article scolded those companies, because it meant that the rat

This happens already. There was an article linked here some time about it. The twist was that the article scolded those companies, because it meant that the rates for government loans would have to go up, because their portfolios now consisted of worse borrowers. Found it: https://news.ycombinator.com/item?id=9695568 https://news.ycombinator.com/item?id=9695568 .