In other words, you have no idea what a Lender of Last Resort is for retail banks or why one is necessary.
Thanks for playing.
Go find some subject you know something about- although a complete lack of knowledge hasn’t dissuaded you so far.
I’m not trying to upset you.
But it does seem you believe there’s something magic about the Federal Reserve that prevents us from getting rid of it.
For your own sake, let it go. The Fed is just a thing. There’s nothing supernatural about it.