How is it possible to make a loan of 700 billion when we are in a credit crisis?

When we are in a crisis like this, when normal people are declined a loan, how is it possible that the government (already in huge debt) is capable of taking out such a huge loan??? Wouldn't be great to be employed at the Federal Reserve bank - now there's a bank that will never go down and can always lend any amount of money no matter the crisis. Why can't we just take out our mortgages from them???|||Ever since the Government did away with the Silver Certificates in Kennedy's Administration, The United States has not kept enough precious metals in reserve to pay debts internationally or to those who do not want to be paid with paper currency, instead by our sheer insolence we believe no one will call us on our debt like China whom we owe Billions if not a Trillion to. We instead keep borrowing and keep buying goods without enough export to even slightly resemble Free Trade, and expect nothing will happen to us we are the United States of America!!! Yet, in politics we now realize how much we depend on others to give us what we need, and are in no way self sufficient in any way shape or form. We could take our mortgages from them if we would have got together and got lobbyists to rally favor for our issues for the last 30 years, then they would bail us out instead of them, but since we didn't know our politicians were for sale the last 30 years, we will have to watch their loyalty for the last 30 years paid to the cronies that bought them for the aforementioned time.