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I imagine (without reading) that this is partly poke at Musk.
He is a fallible human and could potentially be wrong, fair enough. I'm no fanboy, but actually, I much prefer him to much of his detractors.
Partly, just the usual excuse for a massively inefficient private institution that bleeds taxpayer money. Not even a US citizen but anyone can see The Federal Reserve has the easiest ride of all.
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