We took local for granted for too long, just as we took a lot of things for granted. Another option is postal banking. People used to be able to cash checks and have accounts at the post office. It was an alternative to banks and served a lot of people. It ended un Reagan.

One solution is like no solution, having a lot of options in everything is probably important. It will make us more resilient-- which is like a key word here. There is, or was, a small "resilient communities" movement that looked at natural disasters and organized or encouraged communities to be prepared and ready for when they had to rely on themselves. It's not a big stretch to just say "we should rely on ourselves as much as possible"