I'm also curious as to how the banks will be done away with. So long as people want things now rather than waiting to save the requisite funds, or want to make an initial expenditure on the basis of a greater return in the future, there will be institutional lenders. That's all a bank is. The Fed is something of a different animal, but you're talking about banks generally.
RE: Two Formulas Banks Use to See If You Qualify for a Loan