This relatively short book (novella, maybe) may more properly be considered a political essay. However, it does include bringing Benjamin Franklin forward in time to explain the reasons for why portions of the government and law are set up as they are.
I believe the location of the story was Washington DC.
I think I read this in the early 90's. It did include an ATM, so it was likely written in the 80's at the earliest.
One point I remember is Benjamin Franklin being amazed at ATMs creating money. This was not further developed, and I remember thinking that Benjamin Franklin would actually be horrified at "free money".
I believe the major thrust of the book was that the main character was attempting to put through a law or amendment that would allow for holders of federal office to face a recall election. I think the focus was on Representatives and Senators, but possibly also included the President.
I believe Benjamin's argument was that this would bog down the government and that the office holders would essentially be continuously running for reelection and would be unable to accomplish anything.