I certainly agree with you on certain points especially bank bail-outs when it is their own fault, but you should acknowledge the work banks do for us like distribute and hold capital for the people that need it.
E.g. 200-300 years ago you could only get a loan if you are already rich or know rich people.
Today it is much easier through the banking system.
Nice thoughts, but I cannot stand for the austerity they cause, through quantitative easing counterfeiting scam.