The current oligarchs use banking to rule the world. It is a debt based system. Individuals can and should live debt free. There are already peer to peer lending sites like lendingclub and prosper. Who needs a bank to raise capital therefore? Don't go in debt in the first place, but do everything in your power to remove banking system from your life.
No one forces a person to take on debt. Most debts are taken when they should not have or could have been avoided too. That is the first step to building wealth. Be the lender, not the borrower. Be the saver, not the spender.
Distribution is a tricky topic. Start with not getting into debt though and building wealth (savings) instead.
Anyone can live below their means. You don't need a government or bank to survive either. Wealth is, in a sense, production. Anyone can be productive. If you are not productive, you will not be wealthy. There are smart ways to be productive (doing something the market highly values) and dumb ways to be productive (dig holes and fill them back up).