The obvious lesson of 1907 that Americans learned was that central banks were the best placed institutions to restore liquidity in a financial panic, and, in the longer run, monetary reform gave the US its own central bank, the Federal Reserve, by 1914. So 1907 became a comforting mantra in times of financial stress: a crisis cannot happen as long as the central bank understands the problem of liquidity.
美国人从1907年的危机中学到了明显的一课，即在发生金融恐慌时中央银行是最适合恢复流动性的机构，并且在1914年，美国通过货币改革建立了自己的央行，美联储。因此，1907年成为遇到金融压力时给人安慰的咒语：只要中央银行明白流动性的问题，危机就不可能发生。