Bankers are not inherently crooks but they are motivated by money. Politicians are not inherently evil but they are motivated by opinion.
When politicians try to impose their societal opinions on bankers the intent turn bankers into crooks and makes politicians evil.
There is no real justification for the Federal Reserve. It only puts bankers who want to be politicians in the position to become evil crooks.
The financial crisis was created by politicians who dictated social incentives for the banks and the bail outs were the bankers dictating to the politicians fiscal retribution. The result was the fleecing of Americans and their posterity all in the name of opinion and money.