You're the one who highlighted the supposed critique of the IMF and thereby made it part of your argument. Most criticism of the IMF concentrates on the negative impacts of the austerity programms it imposes, that is the complete opposite of enabling reckless spending. You simply didn't know what you were talking about
The IMF is spending $93 billion bailing out reckless lenders - Debt Justice
New research by the Jubilee Debt Campaign indicates a major breach by the IMF of its own policies, with $93 billion of lending to highly indebted countries, without any debt restructurings The campaign group argues this approach is incentivizing reckless lending, as lenders do not need to take...
debtjustice.org.uk
and the IMF doesn't 'impose' anything, it doesn't have the power to. unless you mean conditions for loans? but you're right. i don't know what i'm talking about.