Governments do not need to borrow their currency from private banks such as the Federal Reserve. They have the sovereign right to print their own debt free, interest free currency. Based solely upon the faith and credit of the nation. It is not what backs your money. It is who controls its quantity.
Until we ban government borrowing, and restore the currency of the People (U.S. Notes). There are no reforms that can be accomplished beneficial to the common good.
Until this is done, those whom have the gold make the rules.