They don’t know how the current system works when’s transferring money and how banks actually work. I had to seek the knowledge because I was curious and some of it isn’t easy to find, well because they want it that way.

“proposed a system that would be run by private bankers who would act as federal agents”

https://www.senate.gov/artandhistory/history/minute/Senate_Passes_the_Federal_Reserve_Act.htm