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Many in Lower Manhattan Thursday morning said they understood why the Federal Reserve might be a target.

"It's where everybody's money is," said one person. "Everybody's money in the world."

It's not quite everyone's money but the New York Federal Reserve Building is home to hundreds of billions of dollars in gold bars, stored deep below ground for foreign governments, banks and agencies. The New York Fed also employs thousands of people. Former FBI crime scene investigator and current security consultant Bill Daly said that's why successfully bombing it would be a psychological rather than physical victory.

"Bombing the Federal Reserve is more symbolic, probably, than really decimating the building. You can see this building is extremely well constructed. However, the buildings in the surrounding area are made of glass and steel and could easily be impacted," Daly said. "It would have been just devastating."

It's a frightening possibility for workers nearby.

"Why is it always Downtown?" said one. "They're trying to shut down the financial hub of the United States."

"It would have been horrifying, no doubt," said another. "And I'm right here in the midst of it."

Many people we spoke with say they've ALMOST grown accustomed to the fact that lower manhattan will likely always be in the crosshairs of terrorists.