"So the obvious and sensible thing to do is have the government lend money to cover the time until the bonds mature, in addition to using the FDIC's money which did not come from public funds."
From where do you think this money will, or has come from?
From the FDIC's own Insurance Fund, which is paid by fees assessed on banks. Ultimately I guess taxpayers pay for this because they pay for banking, but it isn't through taxes.
From where do you think this money will, or has come from?
From Yellen's backside?