The Great Recession of 2008 reinforced the concept that the American economy is as fragile as a glass house. There were many excuses for the housing market collapse as well as the need for bailouts of financial institutions. Some place blame on banking institutions that intentionally misled clients and propagated suspect home mortgage loans. While this type of illegal activity did occur, the biggest culprit has been left unchecked and, ironically, has been given even more power since the Recession. This institution is the Federal Reserve (Fed).