Semi-independent federal reserves? We can quibble about fiat/currency vs banking, but technically the government owns all money. Granted, retail and last-mile

Semi-independent federal reserves? We can quibble about fiat/currency vs banking, but technically the government owns all money. Granted, retail and last-mile banking seems a poor fit for government control. Although from memory Japan offers retail banking services through their postal service? (for historical quirk reasons, see: https://en.m.wikipedia.org/wiki/Japan_Post_Bank https://en.m.wikipedia.org/wiki/Japan_Post_Bank )