I am not an economist. Maybe I am simple-minded when it comes to such things, but, I don’t really get your direct-deposit idea from the Fed~ deposited to whom? Where is the money coming from to the Fed for such deposits? Taxation funds from the U.S. Treasury? The Fed already electronically transfers funds to the banks by marking-up digits (adding zeros) per the banks request through the Fedwire Funds Service. Could you please explain your idea more fully and answer my questions in laymen terms? Thank you. Personally, I think the Federal Reserve system should be done away with altogether, but, I know where that got Kennedy.