Since Treasury bills are issued in bearer form, they are considered to be virtually risk-free.

Name: Since Treasury bills are issued in bearer form, they are considered to be virtually risk-free.
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Treasury bills are considered virtually risk-free due to the creditworthiness of the issuer (the U.S. government), not because they are issued in bearer form. Bearer form refers to the manner in which the security is issued and transferred, not to its risk level.

Since Treasury Bills Are Issued in Bearer Form, They Are