citizens should get the money directly. why should a private bank be able to borrow at x% and sell the money to me at x+4%? if you are going to have the fed sys

citizens should get the money directly. why should a private bank be able to borrow at x% and sell the money to me at x+4%? if you are going to have the fed system the government should loan out mortgages directly at the same rate plus a fixed fee for a government approved appraiser.