Think about it, if everyone just used the federal reserve as their bank. Fed continues to invest money safely like most banks do, but as a service to the community their percent realized gains would just be distributed proportionally to all people.
If we did this, it would be a massive step in socialization and equity. We don’t need to nationalize businesses, we might not even need to change tax code. We just need to nationalize the entire banking system. By doing so, the money would always be controlled in the best interest of the people. Sure people can still individually invest, but no longer could the bank cartel control the economy and subjugate us.
In the 1930’s (i think it was then) banks colluded to have FDR killed and replaced by a puppet when he announced his new deal. The buck should have stopped there.