You could use the same argument for the scammer employee who gambles with your money to make a personal gain. You implicitly consent because you consent to the government prosecuting injustice and returning your misappropriated funds.

Do you have any examples of the public being asked to consent before governments made banks whole after a failure?

Well, not really. Do people consent when politicians reallocate their taxes to bail out too "large to fail" institutions? Given the protests, I think not. What if you didn't vote for the candidate that voted in the bailout? What if you specifically didn't vote (or voted for an opponent of) that policymaker. That's actually anti-consent

Have you ever tried calling your brokerage firm, if you own any stocks or a 401k, to ask them who owns the actual shares you purchased?

$10 says they won't give a straight answer unless you ask just the right question. Eventually you'll find that there isn't a share you own directly, its effectively an IOU claim to a share. People can technically learn how the system works, but that leaves a lot of gray area there.

We could also technically read medical journals and learn how our medications work, but its unreasonable to expect everyone will and recent history has shown that in a pinch you'll be called out for doing your own research and thinking critically.