In a way, it is is the middle class' fault. But, realistically, they're not the ones playing Russian Roulette with grandma's pension money. They weren't the ones packaging risky loans in with AAA ones. They weren't the ones sending jobs over to China and bribing politicians to deregulate, deregulate.

Certainly, the middle class has helped it along, but the root of the problem stems pretty much from where the OWS folks say.

Disclaimer: I do not believe Corporations are not inherently bad.

Yes, the middle class has some duplicity, as does a sheep while being led to slaughter. When talking about the Fed though, it should be noted that at no point during its creation were the citizens consulted, as with most things government.
People in general are conditioned to play by the rules established by society through government. What most miss is that the government that makes the rules is most often populated by those who are acustomed to breaking the rules and forcing others to submit to their will.
The Fed came about as a result of influence. At the time of it's creation, those whom were considered "learned" would by todays standards be considered average or below. They tended to be singular in their knowledge and therefore relied upon others for advice on subjects outside their expertise. Who better to advise on the subject of finance than Bankers. Bankers in those days were no different than they are today. Their primary objective is and was to seperate prey from money. It was, by all definition, a coup. By gaining control of the monetary system, they gained control of an entire country and it's people, and they did so with the blessing of people too simple in their understanding of power to realize what they had done. They had given those who sought the power and influence of money the sole right to print and distribute the coin of the realm as they see fit without government interference or direction.
There are those today whom think that abolishing the Federal Reserve and returning to "The Gold standard" will put the US back on track. While theoretically this seems fine, the problem now becomes national debt. In order for the national debt to be covered by gold reserves, Gold would have to be valued around $100,000.00 per ounce.
Frankly it is too late for a return to the gold standard. The only viable option is default. The US must reneg on its debt before a viable alternative to its current financial system can be found, and it must stop consulting with bankers for answers. In fact, The US as it exists today must be razed to the ground and started again. The influences that form their government today have become so finacially motivated that good is defined by profit or cost. No other factor is considered so weightedly or used to make descisions than money.
I ask you, if polititians and politics is so hated and maligned, why then do we allow politics to decide our future? Are we not as capable as they are to make the wrong choices?