Why do we even need banks? Many, perhaps even most people in the world, live just fine without banks. Many more have very basic banking needs - hey, all most of us really want is just a safe place to store our money!
But governments have found banks to be a much more useful instrument for their purposes, most of which involve theft and financing government via currency inflation. Rothbard as usual cuts to the chase with his lecture on Banking and the Business Cycle, as well as Section III, Chapters 7-9 of his outstanding What Has Government Done to Our Money?
Hazlitt once again reminds us of the dangers of too cheap credit (in Chapters 6 and 24), and how it can not only destroy individual lives but also civilizations.
Finally, check out the Essays in section 2 of The Economics of Liberty.
Perhaps it is best to do your banking with people you know and trust, for how can I trust a man I've never met with my money?
Take it from Joseph Kony - you can't. - https://www.youtube.com/watch?v=SXwAifYzRfE
It's a Wonderful Life - if you're a bankster - http://youtu.be/lbwjS9iJ2Sw
Banksters like to steal money from children - while singing a song - http://youtu.be/Hk23s4hh8M8
The American Dream - http://youtu.be/ZPWH5TlbloU
Banking and the Business Cycle - Rothbard - https://www.mises.org/media/964/Banking-and-the-Business-Cycle
What Has Government Done To Our Money?, Chapters 7-9 - Rothbard - https://mises.org/document/617
Economics In One Lesson, Chapters 6 & 24 - Hazlitt - http://www.fee.org/library/books/economics-in-one-lesson/
The Economics Of Liberty, Section 2 - www.mises.org/books/economicsofliberty.pdf