securitization is just the process of transferring risk from those who think they can't hold it to those who think they are very good at holding it. It is a to

securitization is just the process of transferring risk from those who think they can't hold it to those who think they are very good at holding it. It is a tool, and it is a very good tool. A shovel is a tool and if I take a shovel and kill someone with it, that doesn't make the tool itsel bad