[harshulpandav]

Why can't US government give an official statement to all its employees guaranteeing future payment of the work done during shutdown? And banks should be able to give personal loan over that statement. Interest paid over that loan can be reimbursed by the govt once shutdown is over.

(I am not an economist; It is just my opinion)

[yaks_hairbrush]

(1) The US government did just that -- promised backpay for all unpaid work during the shutdown.

(2) Banks may not wish to give loans to folks who have bad/no credit, even with the assurance. Banks need a bit more than assurances that the government will pay their debtees -- they need assurances that they will get that money.