Don't worry, the banks figured out how to solve this problem decades ago, they're called CBOs: https://thebusinessprofessor.com/en_US/investments-trading-financ

Don't worry, the banks figured out how to solve this problem decades ago, they're called CBOs: https://thebusinessprofessor.com/en_US/investments-trading-financial-markets/collateralized-bond-obligation https://thebusinessprofessor.com/en_US/investments-trading-f... Basically, you take a bunch of junk, package it up, and like magic, it's investment grade.