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.
I do wish you didn't get to pause like you did, perhaps you could have pushed the comment farther as it did make a good read.
Taking a page from what you've already laid down, banks aren't the master minds behind the system, the governments are wth the banks as its facilitators, taking the forefront to ensure the schemes archives its aim as they control the masses money and gets to incr3qse or limits its circulation.
It's the sole base of having the system leveraged to attain certain conditions within the nation. That's why cryptocurrencies are not recognised or welcomed by most governments of the world.