However, banking cartels cannot exist without the use of government force. They've tried and failed in the past. So, under anarchism, the worry of banking cartels would be irrelevant.
One of the most damning aspects of having government is the existence of regulatory capture. I believe it is unavoidable.
You would probably enjoy Rothbard's The Case Against the Fed. It's available at Mises.org in both text and audio.
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