This is a critical issue from the perspective of the financial industry. The federal Treasury interacting directly is one more example of the desired hegemony of the banks being undermined. Consider that in creating the federal reserve bank system in 1918 Congress tried to relinquish its responsibility to distribute the currency into the economy by setting up the banks as middlemen, empowered to determine who gets dollars and who does not, and that set the predicate for the argument that Congress should only spend what it first collects in taxes. The federal pension system undermined that structure by sending dollars directly to individual pensioners and orphans. Medicare created another crack by sending dollars to care providers at the behest of individual persons. The ACA continued the individualization of dollar distribution and built upon the discredit the banks had brought upon themselves with education lending to fly-by-night outfits set up to perpetrate fraud on the young. Keeping youths on family health programs was designed to disguise or distract from the termination of bank management of education loans. Together with the ACA, Dodd/Frank was a masterful attack on the hegemony that had been granted to the banks. Oddly enough, the banks brought their gradual demise on themselves with their discriminatory lending designed to exclude minorities and women. If the Community Reinvestment Act had not failed to ensure fact-based lending, Obama would not have been motivated to agree to the ACA/Dodd-Frank package, a masterful partnership that is largely unrecognized because the legislation was passed at different times.