Good point, and I stand corrected that Congress is 100% (directly) to blame for the spending. That said, the Fed is a creation of Congress. Congress, being accountability averse, has a practice of creating agencies and other entities that it can point fingers at.
“the Fed is a creation of Congress”
True, and I suppose ultimate culpability is traceable to it. Same goes for the mountains of administrative law built up by the executive branch, of which Congress washes its hands and each department of which SCOTUS encourages to be their own extra-congressional congress.