In the United States, one problem with central bank independence is:

An independent central bank, such as the Federal Reserve in the United States, operates without direct political pressure or influence from elected officials. This is important for maintaining monetary policy focused on long-term economic stability rather than short-term political gains. The concern about the compatibility of central bank independence with a representative democracy stems from the idea that an institution making significant economic decisions should be accountable to the public and their representatives.

In a democracy, elected officials represent the will of the people, and if a central bank operates independently, it may make decisions that are not directly aligned with public interests or the current political climate. This tension can create debates about legitimacy and accountability, as people may feel disconnected from the monetary policies impacting their lives. Thus, the notion that having an independent central bank could be inconsistent with the principles of representative democracy reflects a real concern about the balance of power and governance in a democratic system.

The other options, while presenting relevant discussions regarding central bank independence, do not highlight the core issue of democratic accountability and public representation in the same way. For instance, the idea that budget control by Congress makes independence impossible, or the argument around the outcomes of central bank independence, doesn't encapsulate the fundamental tension between democratic governance and independence as eloquently as the selected answer