Sorry, I didn't mean to align myself with specific monetary policy. I barely know anything about it. The only point is that I personally can't call up Bernanke for a Fed Funds loan, so the expansion of the money happens asymmetrically across society (in particular, preferentially for the Federal Reserve member banks).

I regret mentioning it. I don't want this to become a Federal Reserve or monetary policy debate. My bad. Go in peace :-)