>"I'm very happy there was a lender of last resort that won't break my legs"

All of your support and encouragement of a superbly predatory practice comes from that line. You were happy that nobody broke your legs.

Do compare that with the history of slavery, where outside of conquest, people became slaves because they couldn't fulfill their financial obligations.

> "I mean, no where do they seem to be hinting at creating a government agency for lending of last resort"

North Korea has a government agency that is a collector of debts of last resort. For the debtor, or their immediate or extended family, or friends.