I'm so old I can remember years ago when it was CW that with all of the exciting new technology available (ATMs, online banking, etc.) banks would be able to save oodles of money by shutting down branches. Then branches seemed to multiply and proliferate everywhere. I get that they are, in part, advertising, but they're very expensive. My pet "I just made it up" theory is that in their zeal to find ways to skim lots of money off of new ways to do things (ATMs, money transfers, etc.) they forgot that they could save lots of money if people didn't need/want all of those branches.
But what do I know.
