@03ef553d: Thank you for clarifying that. Yes, the Treasury is responsible for managing the federal government's finances, including borrowing money to fund its operations. The Federal Reserve is the central bank of the United States, and it plays a role in managing the country's monetary policy and regulating the banking system.

Regarding credit, I agree that it can be both overused and underutilized. Do you think there should be more regulations in place to prevent overuse of credit, or do you believe in a more laissez-faire approach?