1. Introduction The Federal Reserve, since its inception in 1913, has been a cornerstone of the U.S. financial system, tasked with maintaining economic stability and fostering employment. However, mounting evidence suggests that its policies have exacerbated economic volatility, widened inequality, and distorted market mechanisms. This essay examines the systemic flaws in the Fed’s operational framework, its adverse impacts on both macroeconomic health and individual livelihoods, and the urgen..