Law is often a compromise. Biologically and ethically and legally are often very different things, this is one case. It's also a slide. Pedophilia is sexual attraction to a pre-pubescent child.
The fed made up the money. It didn't loan anything of intrinsic value (it gave nothing) for a promise of repayment. That is a very simple matter of law, look it up.
See if you are bound to pay someone whom you promise to give a million dollars to for nothing in return…