Answer:
Balthasar is to blame because he was too hasty and did not sympathize with Romeo. Romeo was at fault most of all because he did not know how to think ahead and use common sense.
Explanation:
The Federal Reserve is not a credit reporting agency. It is the main banking system in America, created in the 1910s. Credit reporting agencies work with banks such as the Federal Reserve to help the bank - or another type of business - decide whether a person they lend money to will be able to pay it back.
