Not entirely sure what this is acting. But as far as freedom of speech threats are not protected. In order to receive free speech right, you must also be a US citzen.
During the Industrial Revolution, it was common for children to work in factories, mines, and other industrial occupations. Children as young as four commonly worked. ... Working on dangerous machinery had its consequences as many children were injured in accidents.
Answer:
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.
Banks were going bankrupt and the whole banking system was facing a systematic risk