Please ELI5: FRC – Why receivership so soon?

I'm wondering why FDIC took control so ?soon

I understand FRC lost 100 billion in deposits
That they have written many mortgages and loans at low interest rate under current treasury yield
That any new debts they borrow from the government would result in higher interest rates

But given that rates will not be up for too low (?at most 2-3 years), why can't FRC just keep borrowing government money to offset this relatively small amount of losses and weather the storm? Why do they need all this cash infusion from non-government sources (e.g. other banks, etc)?

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Thank you all