Earlier quoted context omitted.
Having a physical presence is a competitive advantage. It's the reason some people stick with Chase or their local credit union in lieu of someone else who is online-only with a higher interest rate. Perhaps in a while most banks will decide it's just not worth the expense anymore, but I don't think it's a foregone conclusion.
I've never even been inside a brach of any bank I actually bank at. I've been in a bank to actually do banking like twice in my life, both times to get large bill withdrawals for in person cash vehicle purchases. And I'd just prefer there to be ATMs near me that support bills larger than 20s, why wait until the bank opens and stand in line. I truly don't understand why a regular person would bother going in to a bank…
We should never design services only for the needs of the majority. There are lots of people with all kinds of disabilities -mental and physical- that we need to cater for.
That's what makes our society a better, more loving society.