OK, you are right.
Countries with their own currencies, who have the power to set interest rates, and collect taxes, are just the same as households.
Why just the other day my husband's little bank that he keeps in the spare room caused a massive banking crash and all the little banks in the house were about to go under!
So, says I, let's bail them out, the cheeky feckers. Sure they owe more than we'll earn in 300 years!
So in I go and smash up all the kid's piggy banks and give it to the little household banks.
Waaaaaah, they said, we didn't want Daddy to have all those hobby banks. Why do we have to pay for it?
Ah shut it, says I, and give them a clip around the ear.
I'm sure the governor of the central bank in the dining room will do some quantitative easing and that'll mean that even though you won't get to go to university, the household will not be have bailiffs at the door.