Nicholas D. Kristof: The Federal Reserve action isn’t a scandal, and arguablyit’s a triumph. The Fed did everything imaginable to avert a financial catastrophe — and succeeded. The money was repaid. Yet what is scandalous is the basic unfairness of what has transpired. The federal government rescued highly paid bankers from their reckless decisions. It protected bank shareholders and creditors. But it mostly turned a cold shoulder to some of the most vulnerable and least sophisticated people in America. Last year alone, banks seized more than one million homes.