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RE: The ETH harkfork, Poloniex ETC (Ethereum Classic) token and what I'm missing.
Not really. I think Poloniex is right. If you as a lender didn't have the ETH tokens in your possession at the time it is only fair that you don't get any ETC.
Actually the lender didn't lend ETH, he lent ETC (ETH before the fork) I'm not sure "fair" is an exact description. Under Poloniex logic you could even argue that it make sense to give the lenders only ETC as ETH is actually a new branch in the blockchain.
I started to reply but noticed that you already said the same. Agreed absolutely