The banks are obviously the most powerful entities in the economy because their “product” is money as in debt and as you say capitalism is about money and its accumulation. But what is even more powerful than even their systemic dominance? Its their ability to wield a monopoly paradigm concept of Debt ONLY for the creation and distribution of all new money which they wield, and this monpoly concept is unconsciously accepted, because it has been acculturated for the entire course of human civilization. All paradigms are foggy realities for the individual for this reason and because they are like breathing, i.e. they are essential and powerful realities but we’re generally unconscious of them until we can’t breath or the entire economy freezes up because debt obligations/”innovations” cannot be met.

All new paradigm concepts are in complete conceptual opposition to the present paradigm like central/not central (Copernican cosmological paradigm), tribal nomadic hunting and gathering/homesteading, urbanization, nation states and agriculture (Small decentralized to large organizational civilization) Money creation ONLY as Debt as in the burden to repay ONLY to New money as both Debt and as strategically economically integrated Monetary Gifting.