Millions of Americans are struggling just to get by, juggling bills and watching their savings disappear. Meanwhile, the Federal Reserve keeps pumping money into massive infrastructure projects—this time, a $3 billion facility that screams luxury and excess.

Three billion dollars.

The disconnect is hard to ignore. While ordinary people tighten their belts, traditional finance institutions build like there's no tomorrow. Whether you think the recent criticisms are fair or not, the politics of central banking deserve more serious discussion than most are willing to give.