Of course loans and credit will still exist in such a world. I hope the word bank will be mostly used to designate custody services entities which will still exist, the only difference being that this time people will have a choice on how they use and keep their money. Without inflation and money depreciating, giving custody of your funds to a third parties hoping to get a small interest rate will be much less appealing and more risky than today.

But there will be credit services providers for sure. The interest rate will be a true interest rate (which actually measures the willingness of people to give their money to third parties in order to get their interest rate) given by the market minus the deflation rate if it exists.

In fact this world would be very similar to ou today world it's not an utopic thing at all. It's how things naturally work without a monopoly on money printing....We just have to get out of our fiat mindset teaching us that inflation is natural and good for us, and it's the most difficult part IMO