What will be the implications for an economy if financial sector did not exist?

What will be the implications for an economy if financial sector did not exist? 

We cannot think of present say modern economy without financial sector. It is a question like implication of not having blood in a human. Finance is life blood of an economy. In an economy those who have surplus funds are different from those who have ideas and ability to use those funds productively. Had the two been same, there would have been no need for financial sector. But it is not the reality. Therefore, had there been no financial sector, 

(a) Consumers would have got consumption loans like car loans, home loans etc. 

(b) Firms will not get money for investment. 

(c) Government could not get funds for investment plans. 

(d) Savers will have no opportunity to utilize their productively. 

Therefore, it will lead to inefficiency, lack of growth rates, stagnation, reduction in optimum productivity.