

Yeah, I thought the big problem was mixing good and bad morrgages together to make the securities look like a higher quality mixed with somewhat unrestrained lending. So you had securities with high ratings containing junk mortgages passed around as a financial asset. When mortgages started to default, all those “high quality” assets began to sour.
Essentially securities are just an asset vehicle and have no intrinsic issues, it was how mortgage securities were being packaged that was an issue.
Yeah, that would be my recommendation too. Anything else will produce a worse experience (laggy and slow) and more complexity to get setup/maintain.