You mean like every time they create a loan out of thin air and rob every USD holder world wide in the process?
Loans aren't created out of thin air. They are created out of deposits. Depositors are expected to know exactly what they're putting they're putting their money into. Whether that's a reasonable expectation is another matter entirely.
Also, why is this not the responsibility of the lender to assure that someone they loan to is not a risk to lend to? They are extracting a profit, any time this happens there is a corresponding risk or obligation. This is an immutable law of commerce.
You have a strange idea about responsibility. A lender has no responsibility or obligation to the debtor other than to actually provide the loan itself. The lender will of course be annoyed if the loan is never repaid, which is why they don't make loans to those who are bad credit risks, but that's not the lender's responsibility. Repaying the loan is the sole responsibility and obligation of the debtor.