AWS IAM treats a bare "*" in a statement's Resource as "any resource",
but the embedded IAM resource parser required a 6-segment S3 ARN and
silently skipped anything else. With a policy like
{Action: "s3:*", Resource: "*"}, every resource was dropped and the
statement produced no actions, so PutUserPolicy rejected the document
with "no valid actions found in policy document".
Short-circuit Resource == "*" to the same full-wildcard path that
"arn:aws:s3:::*" already takes.