To be honest AA- does not sound that bad in this day and age...but another way of looking at it is possibly the credit agencies are not so happy with ordinary people being kept afloat than just the 0.1% or simply looking for a way to get more money from the UK by raising lending lending rates. https://www.theguardian.com/business/2020/mar/28/fitch-cuts-uk-credit-rating-to-aa- I think we are probably all up the creek economically in the near future. Time to change the money system which we the people have been bailing out to the the advantage of the 0.1% since 2008 and which is causing growing inequality and poverty for the rest of us.