Uh 1913 is just the most recent version of the Federal Reserve. To be a bit more technical this is more like a 3000 year old problem but I figured I could go back only 250 years when The People tried to escape the governmental tyranny of Britian. You may have read about a tea tax in your history books.

Anywho the most recent Federal Reserve imbedded into America is actually the third time.

Hope this helps.