Congestion fees are collateral

My New fed needs congestion priced free entry and exit for accounts. A fee collected is aggregated as insurance against interest demand. Collateral is nt necessarily net zero on exit and entry, there will be slight variation, like every other queue.  But it is meant to be the most stable queue.

The Fed board, and member banks, continue to hunt new accounts and let them bet variations in Savings and Loans. In aggregate, the Fed can lean on the collateral accounts a slight bit, the board will have some non market power on setting fees. At some point in everything we reach a quantum contradiction, and a meeting of the elders.