How will what you call socialism function without banks?
Will there be money in this new system? (Money is anything that allows its owner to obtain goods and services, whether dollars or a running tally of hours worked or simply ration vouchers.)
If there is no money, how will you insure that everyone gets their fair share of a limited number of goods produced by a finite number of workers from finite resources, and how will you determine the distribution of resources as factory inputs to workers in various locations throughout the nation? If anyone can get as much as they want of anything simply by asking for it, how will you prevent shortages in some places as excesses accumulate in others?
Will there still be loans (i.e., purchasing on credit)? If not, how will big projects be possible? What will you exchange, up front, that has already been produced, in trade for the labor and material resources necessary to a project that will take years to finish and which will not itself produce anything of value until it is completed (if then, since just as there are failures under capitalism there must be failures under socialism)?
The last time a barter economy existed in Europe was in the centuries following the collapse of the Roman Empire. There was no coinage, food was locally grown and consumed, and poverty was endemic. There was very little travel and very little trade. Armed groups looking out for no one but themselves roamed the countryside and terrorized villages. Feudalism itself arose from such conditions.
Who will keep track of how much each man can obtain, and how often? Don't say something vague like "the people" because each of them will be busy with his own life, except insofar as individuals running organizations specializing in such matters are appointed to do so. Those organizations will be banks by another name.
Incidentally, you have not really addressed my initial post at all; but since the thread has been inactive and you make a provocative and somewhat interesting statement that at least tangentially touches upon the broad subject of banking, I'm going to encourage further comment from you for the time being.