I'm not saying the credit agencies shouldn't all go bankrupt, and, in an ideal world, have their owners lined up against a wall and shot (exaggerating, but not

I'm not saying the credit agencies shouldn't all go bankrupt, and, in an ideal world, have their owners lined up against a wall and shot (exaggerating, but not much). I'm saying that, no matter how incompetent or malicious they are, they (or anyone!) shouldn't have that much influence over people's lives in the first place.