Ever since the federal reserve was started by Woodrow Wilson, it has been nothing but a problem of the United States citizen , they have caused 2 recessions in the history of their history and very dam near a 3rd under Biden and under they raised the interest rate to new level of ridiculousness , has put on hold so many Americans who want to buy first time home buyers but maybe able put the down payment down but can’t afford the home because of interest rate that would be required to pay for the life of mortgage, they destroying and standing in the way of hard working Americans being able to buy a home and follow the American dream.