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You put your money in a savings account & get paid on average 0.37% interest, according to FDIC data. The bank can then put your cash at the Fed & get paid 4% interest. Bank lobbyists have blocked the bill to let you cut out the middle man & put your cash at the Fed. This is called "capitalism."

levernews.comThe Financial System Can’t Afford To Treat You FairlyOne of Wall Street’s biggest firms just acknowledged that giving you a better deal could destabilize American banking.

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