Why don't bankers like borrowing money from the Fed's Discount Window when they find themselves in financial trouble?

A) Because the Fed usually insists on doing an audit of the bank to find out why they got into financial trouble. Sometimes bank executives are fired or put in jail after the Fed's auditors find out what went wrong.

B) The U.S. banks would prefer to borrow money from the European Central Bank - this is the European Union's version of the Fed.

C) Because the interest rates from the Fed's Discount Window are too high.

D) None of the above.