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# ![@tyillc Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::255781485.png) @tyillc Richard Field

Richard Field posts on X about debt, veil, banking, losses the most. They currently have XXXXXX followers and 2793 posts still getting attention that total XXXXX engagements in the last XX hours.

### Engagements: XXXXX [#](/creator/twitter::255781485/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::255781485/c:line/m:interactions.svg)

- X Week XXXXXX +396%
- X Month XXXXXX -XXXX%
- X Months XXXXXXX -XXXX%
- X Year XXXXXXX -XX%

### Mentions: XX [#](/creator/twitter::255781485/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::255781485/c:line/m:posts_active.svg)

- X Month XX -XX%
- X Months XXX -XX%
- X Year XXXXX +10%

### Followers: XXXXXX [#](/creator/twitter::255781485/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::255781485/c:line/m:followers.svg)

- X Week XXXXXX +0.11%
- X Month XXXXXX +0.15%
- X Months XXXXXX +2.60%
- X Year XXXXXX +3%

### CreatorRank: XXXXXXX [#](/creator/twitter::255781485/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::255781485/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::255781485/influence)
---

**Social category influence**
[finance](/list/finance)  [countries](/list/countries)  [stocks](/list/stocks)  [currencies](/list/currencies)  [automotive brands](/list/automotive-brands) 

**Social topic influence**
[debt](/topic/debt) #1765, [veil](/topic/veil), [banking](/topic/banking) #1161, [losses](/topic/losses) #345, [behind the](/topic/behind-the), [money](/topic/money), [lack of](/topic/lack-of) #246, [brands](/topic/brands) #924, [accounting](/topic/accounting) #96, [sentiment](/topic/sentiment)

**Top assets mentioned**
[Bank of America (BAC)](/topic/bank-of-america) [Citigroup Inc (C)](/topic/citigroup) [Jefferies Financial Group Inc. (JEF)](/topic/$jef)
### Top Social Posts [#](/creator/twitter::255781485/posts)
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Top posts by engagements in the last XX hours

"@kshaughnessy2 Our financial markets are more opaque today than they were in 2007 . and the acute phase of the financial crisis in 2008 was an earthquake along the opacity fault line "  
[X Link](https://x.com/tyillc/status/1979198279305884060) [@tyillc](/creator/x/tyillc) 2025-10-17T14:50Z 11.2K followers, XXX engagements


"Losses hidden behind private credit and banking system veil of opacity must be much larger than investors are anticipating "  
[X Link](https://x.com/tyillc/status/1979270264207691951) [@tyillc](/creator/x/tyillc) 2025-10-17T19:36Z 11.2K followers, XXX engagements


"One opaque part of the financial system (private credit) calling out another opaque part of the financial system (banks) . both are likely sitting on sizable amounts of bad debt that needs to be written down "  
[X Link](https://x.com/tyillc/status/1978475185138192748) [@tyillc](/creator/x/tyillc) 2025-10-15T14:56Z 11.2K followers, 9419 engagements


"As the debt cockroaches appear in private credit it serves a reminder both the banks and private credit funds are opaque and investors have no idea what losses might be hiding behind the veil of opacity . investors getting the sense it is better to "run" and get their money back than wait to find out "  
[X Link](https://x.com/tyillc/status/1978974538843959795) [@tyillc](/creator/x/tyillc) 2025-10-17T00:01Z 11.2K followers, 17.6K engagements


"Been pointing out for decades the returns from private equity/credit are "illusory" and achieved using "mark-to-myth" accounting . No reason endowments pension funds insurance companies and individuals worth less than $XXX million should be allowed to invest in (gamble on) them "  
[X Link](https://x.com/tyillc/status/1979957658187968810) [@tyillc](/creator/x/tyillc) 2025-10-19T17:07Z 11.2K followers, 1820 engagements


"@TonyNashNerd @SecretaryBurgum Isn't the question "why haven't we already begun a Project Warp Speed for rare earth minerals mining refining and turning into finished products America needs so it is not dependent on anyone else for rare earth related products" "  
[X Link](https://x.com/tyillc/status/1977064914008392167) [@tyillc](/creator/x/tyillc) 2025-10-11T17:33Z 11.2K followers, 1290 engagements


"@kshaughnessy2 Is Julius Baer Group Ltd solvent . asking for a friend as its opacity prevents investors knowing this fact today "  
[X Link](https://x.com/tyillc/status/1977754502708015600) [@tyillc](/creator/x/tyillc) 2025-10-13T15:13Z 11.2K followers, XX engagements


"Pointed out several years ago China is exporting deflation to keep its factories operating . were it not for Trump's tariffs US consumers would be experiencing this deflation "  
[X Link](https://x.com/tyillc/status/1978894745792340259) [@tyillc](/creator/x/tyillc) 2025-10-16T18:44Z 11.2K followers, 1363 engagements


"The big question is why banks don't have to provide #transparency and disclose their exposure details so markets could exert discipline and reduce the banks' risk taking "  
[X Link](https://x.com/tyillc/status/1978936243850260885) [@tyillc](/creator/x/tyillc) 2025-10-16T21:29Z 11.2K followers, XXX engagements


"@LeylaKuni When only XX% of your portfolio is working for you (the rest is losing money) it does have a significant impact the final amount in your portfolio particularly if you are rebalanced into money losing private markets "  
[X Link](https://x.com/tyillc/status/1978940658392928437) [@tyillc](/creator/x/tyillc) 2025-10-16T21:46Z 11.2K followers, XX engagements


"Bad debt hidden behind a veil of opacity slowly emerging . are we headed for the next acute phase of the Great Financial Crisis "  
[X Link](https://x.com/tyillc/status/1979195424104661114) [@tyillc](/creator/x/tyillc) 2025-10-17T14:38Z 11.2K followers, XXX engagements


"Credit losses at the banks have been hidden behind a veil of opacity since 2008 and the first acute phase of the Great Financial Crisis "  
[X Link](https://x.com/tyillc/status/1979196269043036281) [@tyillc](/creator/x/tyillc) 2025-10-17T14:42Z 11.2K followers, XXX engagements


"The opacity of the banks means investors have no idea how much bad debt the banks have "  
[X Link](https://x.com/tyillc/status/1979200709028446450) [@tyillc](/creator/x/tyillc) 2025-10-17T14:59Z 11.2K followers, XXX engagements


"@DavidBCollum Actually what we have discovered again is lenders (bankers or private credit) operating behind a veil of opacity will fund loans for borrowers well beyond their capacity to repay "  
[X Link](https://x.com/tyillc/status/1979242569247711450) [@tyillc](/creator/x/tyillc) 2025-10-17T17:46Z 11.2K followers, XXX engagements


"Opacity is a huge problem in finance . nobody knows if the collateral backing these deals is legit or not "  
[X Link](https://x.com/tyillc/status/1979247873272258703) [@tyillc](/creator/x/tyillc) 2025-10-17T18:07Z 11.2K followers, XXX engagements


"Programs like Medicare Social Security "  
[X Link](https://x.com/tyillc/status/1979248265464861134) [@tyillc](/creator/x/tyillc) 2025-10-17T18:08Z 11.2K followers, XXX engagements


"Questionable collateral hiding behind a veil of opacity . always prompts "runs" as investors realize they cannot verify the valuation stories they are told and decide they should get their money back "  
[X Link](https://x.com/tyillc/status/1979250578162176185) [@tyillc](/creator/x/tyillc) 2025-10-17T18:18Z 11.2K followers, XXX engagements


"Lowering the community bank leverage ratio allows them to charge off their bad debt . losses flow through the numerator of the ratio (the banks' capital accounts) "  
[X Link](https://x.com/tyillc/status/1979263441748791452) [@tyillc](/creator/x/tyillc) 2025-10-17T19:09Z 11.2K followers, XXX engagements


"hmmm . since leverage is higher and therefore bad debt is exponentially greater than during the Great Financial Crisis not so sure sentiment isn't close to the reality hidden behind the BDCs' veil of opacity "  
[X Link](https://x.com/tyillc/status/1979292589439562071) [@tyillc](/creator/x/tyillc) 2025-10-17T21:05Z 11.2K followers, XXX engagements


"Investors in private BDCs have already shown a preference for being lied to . and this is before taking into account the lack of mark-to-market "  
[X Link](https://x.com/tyillc/status/1979347372720427297) [@tyillc](/creator/x/tyillc) 2025-10-18T00:42Z 11.2K followers, 1033 engagements


"@AtomicEconomics If you look at the tweet I was referring to you will see this was an addressable problem. As for your belief fiat and private central banking are bad you are entitled to your opinion"  
[X Link](https://x.com/tyillc/status/1979596495780303170) [@tyillc](/creator/x/tyillc) 2025-10-18T17:12Z 11.2K followers, XX engagements


"@langwiser @DrDavidKass Buffett and Munger always underperformed when technology stocks were leading the bull market charge . also notice how Buffett is trimming his exposure to both Apple and Bank of America "  
[X Link](https://x.com/tyillc/status/1979596911553241204) [@tyillc](/creator/x/tyillc) 2025-10-18T17:14Z 11.2K followers, XX engagements


"Been pointing this out about banks structured finance and private equity/credit since the beginning of the Great Financial Crisis: Ultimately a lack of transparency means we dont know whats happening in these private credit portfolios; hence we are flying blind to some extent said Michael Anderson global head of credit strategy at Citigroup Inc. Financial crises emerge from the opaque sectors of the financial system "  
[X Link](https://x.com/tyillc/status/1980020608839627185) [@tyillc](/creator/x/tyillc) 2025-10-19T21:17Z 11.2K followers, 1280 engagements


"The fact mark to market losses on held to maturity securities don't reduce regulatory capital confirms bank capital is a meaningless easily manipulated accounting construct . it is not like the losses don't exist . they clearly do . it is the choice of financial regulators to ignore these losses "  
[X Link](https://x.com/tyillc/status/1980076164153593923) [@tyillc](/creator/x/tyillc) 2025-10-20T00:58Z 11.2K followers, XXX engagements


"China's financial regulators praying for a miracle . history shows that delaying recognition of losses on bad debts only exponentially increases the ultimate size of the losses"  
[X Link](https://x.com/tyillc/status/1980077738431004742) [@tyillc](/creator/x/tyillc) 2025-10-20T01:04Z 11.2K followers, XXX engagements


"@thejobchick Nobody cares what the unemployment rate is when they can't get an interview for a job they are highly qualified for is the corollary to a recession is when your neighbor is out of work; a depression is when you are out of work "  
[X Link](https://x.com/tyillc/status/1978475794675708225) [@tyillc](/creator/x/tyillc) 2025-10-15T14:59Z 11.2K followers, XX engagements


"If anything bad happens to the economy it was the Biden Administration's fault . only problem with this is Trump administration has now been in office for more that X months and should have addressed the issue "  
[X Link](https://x.com/tyillc/status/1979348088583262475) [@tyillc](/creator/x/tyillc) 2025-10-18T00:45Z 11.2K followers, 2216 engagements


"Like monetary policy the idea fiscal policy impacts inflation doesn't hold up on closer examination . look at Japan . no inflation for 3+ decades despite massive fiscal spending and monetary stimulus . look at US pre-pandemic . little inflation despite massive fiscal spending and monetary stimulus . why did inflation take off with pandemic . supply chains disrupted . as they are normalizing inflation going away . nothing to do with Biden money printing "  
[X Link](https://x.com/tyillc/status/1979350723893621085) [@tyillc](/creator/x/tyillc) 2025-10-18T00:56Z 11.2K followers, XX engagements


"In 2008 investment banks also tried to hide behind the "we were defrauded by the issuers" defense . apparently not willing to acknowledge the banks are responsible for verifying the stories issuers tell (its called due diligence) "  
[X Link](https://x.com/tyillc/status/1979701338373283919) [@tyillc](/creator/x/tyillc) 2025-10-19T00:09Z 11.2K followers, 1078 engagements


"No one knows who is actually good here because of the opacity surrounding BDCs/private credit "  
[X Link](https://x.com/tyillc/status/1980081075067158623) [@tyillc](/creator/x/tyillc) 2025-10-20T01:18Z 11.2K followers, XXX engagements