Preheat oven to 350 degrees F.
In a bowl or glass measuring cup, add vinegar to almond milk. In another bowl, mix flax seed meal with some water (~3-4 tablespoons) until you have a thickish slurry -- this will thicken as it sits.
In a large bowl, whisk together all the flours and starches, plus the xanthan gum, sugar, baking powder, baking soda, and salt. Stir in chocolate chips/cocoa nibs, chopped ginger and mashed bananas. Add vanilla extract to almond milk mixture and fold into the rest of the ingredients, along with the flax seed meal slurry. Fold in melted coconut oil last, making sure everything is nicely combined.
Transfer to lightly-greased loaf pan and bake for 50 minutes to an hour, turning pan halfway, until skewer comes out clean when inserted in center of loaf. Let cool in pan, on a rack, 5 minutes, then turn out and let cool completely before slicing. (Riiiiiight.)