A central bank is essentially a national bank and while it isn't necessary, as the US functioned quite well without one, the forces pulling toward the center are not well balanced in our monist cultural paradigm.
Our tools mutate into gods. The medium becomes the message. In this case, the medium of markets became the message of capitalism.
People are linear and goal oriented, while nature is circular, cyclical and reciprocal. So rather than riding the waves up and down, we march off the highest cliffs.
Consider that democracy and republicanism evolved in pantheistic societies, which were the Ancients interpretation of multiculturalism. Christian monotheism was adopted as Rome solidified its empire. One god, one ruler. Divine right of kings. When the West went back to these more populist forms of government, it required the separation of church and state, culture and civics.
The degrees of indoctrination run deep.