So people say that Jefferson never said that, is there any sort of source or anything? Not that I disagree with him if he did, but still.
Good quotes summarize an obvious truth well.
Who cares whether or not Jefferson said it, is the quote any less relevant or truthful if Jefferson stated it or if someone else came up with it? Jefferson is known to have been very distrustful of a banking establishment, so its not misrepresenting him.
The quote apparently first appeared in congressional records in the 1930s which still shows significant foresight.