Ok now investors need a system to flow there money via *banks* Which means banks is the main component of all centralization, capitilism and flow of money.
Banks aren't the main component of capitalism. You could have a Bitcoin economy in which banks were completely wiped away and still have a capitalistic economy based on private enterprise. Banks represent a large portion of the economy due to investments and circulating funds throughout the economy, but that does not mean they're a central component of capitalism itself. Think of individuals conducting commerce as being the main vessel of capitalism. Banks merely facilitate the ventures as intermediaries. You could replace banks with anything.