例如，为什么不是AIG要求对他们保留资本？为此，为什么穆迪（Moody's）和标准普尔（Standard＆Poor）愿意祝福80％的Dicey抵押贷款贷款，并以与美国财政部债务相同的三重评级来祝福？为什么没有人，任何人，在高盛内部的人站起来说：“这是淫秽的。所有这些次级抵押贷款的最终价格的评级机构显然不了解风险，而他们的愚蠢正在创造灾难的食谱”？
(Why, for example, wasn't AIG required to reserve capital against them? Why, for that matter, were Moody's and Standard & Poor's willing to bless 80 percent of a pool of dicey mortgage loans with the same triple-A rating they bestowed on the debts of the U.S. Treasury? Why didn't someone, anyone, inside Goldman Sachs stand up and say, "This is obscene. The rating agencies, the ultimate pricers of all these subprime mortgage loans, clearly do not understand the risk, and their idiocy is creating a recipe for catastrophe"?)