Anybody know?

When the "FED" loans money to banks at the current low interest rates (3.75%, I think) who pays for that? If money goes out considerably cheaper than it had been, then somebody has to make up the difference--who is it?
I know it is a "slush" fund, set up by Franklin Roosevelt to help prevent another "depression" such as we had in the 1930s, so that banks can come up with the cash to pay everyone off if necessary, but there must be money being made and lost with this set-up!
Anyway doesn't that outfit violate the ultimate principle of the conservatives--when business isn't allowed to function on its own? Yet Wall Street was the first to call on the FED to help me, help me!
Every time we get into trouble financially, these "conservative" jokers come out of the closet and use OUR money to survive!
I guarantee you that something of mine will suffer the consequences of these low cost loans to banks!
My Treasury notes, my CDs, something!