That being said, the central bank (at least in the US) is structured much more like a think tank and policy center than anything close to a customer-facing organization.
Personally, I'm not a fan of that idea, but I completely agree that banking policies/regulations need to be overhauled.
Uh, I agree that the central bank isn't consumer facing - but this is a bit of a stretch. Think tanks don't loan trillions of dollars.
The Federal Reserve
1 conducts the nation's monetary policy to promote maximum employment, stable prices, and moderate long-term interest rates in the U.S. economy;
2 promotes the stability of the financial system and seeks to minimize and contain systemic risks through active monitoring and engagement in the U.S. and abroad;
3 promotes the safety and soundness of individual financial institutions and monitors their impact on the financial system as a whole;
4 fosters payment and settlement system safety and efficiency through services to the banking industry and the U.S. government that facilitate U.S.-dollar transactions and payments; and
5 promotes consumer protection and community development through consumer-focused supervision and examination, research and analysis of emerging consumer issues and trends, community economic development activities, and the administration of consumer laws and regulations.
Other than #4 (which as you say is clearly is nothing like a think tank), all the rest have significant policy or regulatory actions.
[0] - https://www.federalreserve.gov/aboutthefed/structure-federal...
