the.com/taker

means A person who readily accepts or seizes what's offered — money, credit, opportunity — but isn't necessarily inclined to give in return.

from Simple agent-noun construction: the Old English verb 'tacan' (to take, grasp, seize), itself borrowed from Old Norse 'taka' during the heavy Norse-English contact of the early medieval period, plus the native '-er' suffix marking 'one who does.' No twist or trick in the word's history — the irony lives entirely in how English speakers chose to use it, pairing it against 'giver' to mark out the moochers of the world.