Money can be created without a bank, like this:
A businessman enters a hotel and pays for a room 100$
The receptionist escorts the businessman into his room
Meanwhile, the hotel accountant pays hotel's debt to the local gas station, total 100$
Gas station entrepreneur pays his debt to the local whore, total 100$
The whore pays her debt to hotel, total 100$
The businessman is not happy with his room, and he is returned the deposited 100$.