Someone other than the current politicians need to be in office for this to result in any serious consequences for the banks. The banks have bought the politicians in the U.S.
No, the problem is that we don't have an electoral system that makes it rational to choose such a candidate without reasonable basis to believe lots of other people will (choose the same candidate, not just any non-major-party candidate).
The symptom of that problem is that nearly no one chooses an alternative candidate.
More concretely, the Paul family might one or two things I agree with, but it's the other 999 things they believe in that I can't stand, thus I can't vote for them so much as against them.
I'm not just talking about the presidency... or am I missing something?
Neither am I. In fact, I'm mostly talking about legislative elections, where the use of the first-past-the-post elections in single-member districts produces both duopoly and about as unrepresentative of a legislature as you can get in a system which is even superficially democratically accountable.
People like to focus on the electoral college, but that's not really the main problem in the electoral system in the US.