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He spent 40B mostly of other people’s money. His liability is like 12B. The more interesting question is why various stodgy bankers gave him the other 28B.
Because that's how the system works.
If you have $5,000 and owe 15,000, you're in debt and most likely have to work a shitload of hours in a dead end job for the rest of your life in a futile attempt to make ends meet.
If you have 3 billion dollars and owe 30 billion, you're a billionaire and get to do whatever you want consequence free, including breaking all of the laws.