> Because nobody knows which ones they are. This is obviously correct. But it contradicts the idea that banks are good at assessing risk, if the closest that b

> Because nobody knows which ones they are. This is obviously correct. But it contradicts the idea that banks are good at assessing risk, if the closest that banks can come is lumping 100% of startups into a 'startup' bucket. If banks really were good at assessing risk then the fact that the large tech companies have access to cheap capital wouldn't necessarily hurt startups, but that isn't actually the case.