[rwmj]

Banks make no money from retail customers as it is, they certainly aren't going to be reopening branches any time soon.

[bb101]

That's where effective legislation and regulation can play a role. It's not as if other parts of the same bank aren't making money hand over fist.

[rwmj]

Is it better to spend money subsidising bank branches? Or generally improving security and beefing up the police? I would say the latter - it benefits everyone and reduces crime.

The actual actions of the government have been to do neither.

[JohnWhigham]

Unless governments subsidize this, all this does is hurt small banks.