“There is a limited amount of goods that can be purchased for cash and big ticket items such as cars, trucks, boats, helicopters and now even submarines require a financial institution to facilitate these purchases.”
Funny you should say that. Under Title 31 (Money and Finance), “Financial Institution” can identify 26 different types of entities/individuals/businesses, including-
“(T)a business engaged in vehicle sales, including automobile, airplane, and boat sales”
https://www.law.cornell.edu/uscode/text/31/5312#a_2
Since the definition also includes banks and credit unions, and private bankers (of which every American Citizen is one, whether they know it or not), most purchases of said goods probably involve 3 or more “financial institutions.”
This isn’t just a technicality, either. All contracts to buy such items create commercial paper that can then be brought, sold, and traded. This is true, even if the buyer pays in full at the time of sale. What is used as “money” is literally created in pretty much every transaction for one of the vehicles you listed.
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