Can someone please explain to me what "spreading overhead" means in terms of business strategy and economics?

In a chapter 7 bankruptcy, a debtor:

What tax is paid by the most people in the united states

Gif the federal reserve did not regulate fiscal policy, monitor banks and provide services for banks, what would most likely be the economic conditions to transact business in the u.s.? the economy would primarily be based on a barter system rather than a fiat system. there would be no discrimination in lending by local banks. the economy would be less efficient and transactions most likely more costly.