If your question is can we (society) live without banks the short answer is Not yet. And I doubt it would be possible at least in my life time. Individuals could do so to some extend but for example in countries where it is forbiden by law to make cash only purchases over a certain amount of money this is not possible.
How could you own a car or a house?
That is because of the fact that they are relying on the banks. There are still a lot of countries that accpets fiat currencies or cash but usually people will just use their cards tp pay for their items. It is easy, that is true but as the the other said, we can't get out of this system right now because we are born to it. The reason we can't just get out with it.
No banking isn't possible even in the future. Not everyone can own a car or a house without a bank, borrowing is essential. I think it happens only when the world is in communism.