Answer: Where are the answers my guy.
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If the case is for a felony charge, the grand jury usually decides....At this point, the person is accused for committing the crime then the accused person becomes a defendant officially charged with a crime.
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Banks needed a source of emergency reserves to prevent the panics and resulting runs from driving them out of business. A particularly severe panic in 1907 resulted in bank runs that wreaked havoc on the fragile banking system and ultimately led Congress in 1913 to write the Federal Reserve Act.
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In simple words, in the given context the author is stating about the poor condition under which many of the governments are oppression the population of their own society by passing strict rules on basic activities.
The author in the given statements is try to convey that strict and oppressing rules means the government is doing something wrong and does not want their individuals to know the truth.