Obviously the era of freebanking had dragged too long before the Federal Reserve System came forth in 1913.
美国联邦储备系统1913年诞生之时，自由银行时代显然已拖得太久了。
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Some freebanking states, like Louisiana, could boast of perfect success in protecting bank customers. Others -notably Michigan -became refuges for wildcatters.
If others follow, it would reverse the shift to "free" banking over the past decade-largely financed by rising debit-card fees-which made millions of poorer consumers bankable.