Is there any smaller, local, customer respecting business that isn't "inefficient" in comparison to a megaconglomerate which can use monopoly and mass consolida

Is there any smaller, local, customer respecting business that isn't "inefficient" in comparison to a megaconglomerate which can use monopoly and mass consolidation to operate with lower costs, worse customer experience after they achieved local monopoly? Exactly. When something goes wrong (and it will), I want to walk into a branch and have a human being fix things. I don't want to put my money into the Bank of Google, where customer service is only given to people with nine figure balances, and everyone else has to shout into the void of social media to get help. Some things don't scale for good reason.