You're wrong. No one borrows FRNs from the Fed. Not even you.
The average American has no understanding of our monetary system. 30 years in the banking and mortgage industry and I only began to understand it the past few years. But you know who does understand it? Every member of Congress. They know that under our current system the debt cannot be repaid. The only path forward is to raise the debt ceiling and continue to borrow. Thats why they don’t bother with passing a budget anymore. Its pointless. They just use CR’s en lieu of a budget.
The only objective of the Federal Reserve is to transfer wealth from the people to the banks and corporations.