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Why does everyone make these huge generalizations based on one crisis that happened 15 years ago?

The problem in 2008 was that splitting an investment into a senior "low-risk" one and a higher-risk one led to higher ratings overall than the initial investment warranted. Do you have any evidence that something like this is happening here, or that this is a systemic problem?

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The mistake they're potentially making today doesn't have to be identical to the one made 15 years ago. The that they were so wrong 15 years ago means that we have to question literally every rating they have, and we can't just assume it's right

> The that they were so wrong 15 years ago

That seems like a weak signal. If the only example of egregiously wrong ratings we have is from the subprime crisis, that means they got them right enough a lot more often than not.

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