What a terrible comic. It very much gives a "I just found out about communism" vibe. Without banks, you wouldn't even have the choice to get a loan to purchase a house or get starting capital for a business. And about the interest part, do you expect them to be a non profit? How will the banks pay their workers? I agree that the rates are too high, but come on, it's a service that you choose to make use of.
I never said they were the be-all-end-all of distribution. This comic implies that banks somehow are responsible for providing money to people to buy housing. This is a way larger systemic issue. People should be paid enough to be able to purchase property.
Well of course not, I expect them to not exist as private entities. If they're so big that their failure would cause the collapse of the economy, they should be federalized to prevent the greedy fucks from playing fast and loose with other people's money to make themselves rich.
it's a service that you choose to make use of.
Imagine you're in a plane crash, and you wake up on an island...