> I am just talking about the experience of seeing a person's face every day, looking them in the eye, making small talk, interacting with other customers in t

> I am just talking about the experience of seeing a person's face every day, looking them in the eye, making small talk, interacting with other customers in the bank. That kind of every day stuff has value. Yes, but this value is clearly less than the value provided by automated convenience. Isn't this why you don't go to a physical bank at all? It seems like the problem is that the people who are "automated away" should be able to get by somehow, even if that means entering retraining or adding a safety net for those unable to transition somehow. I'm not sure how many viable solutions of substance we'll come us with, considering our day job is programming computers, not crunching intentionally complex economic policy.