Re: My nearest town has two banks remaining
"In the 21st century, there should be no reason to need a physical branch near you, surely ?"
Apparently you didn't RTFA. I can't think of a better reason to have physical branches than during these sorts of cockups. And as others have mentioned, not everyone is 25 , lives in an urban area with banks a short bus ride away and has internet access. Perhaps you might try giving a shit about the older generation and those living in the countryside occasionally.