It would be, but I think most major changes are so subtle that people don't even see the change as it is happening. To remain solvent banks will need to change, to become less greedy is how most people see it, but is it that simple? Are banks greedy, or has inflation and technology made it harder for banks to make a profit? In 1970, wages were a lot less, tellers got paid a lot less, government rules come in and force business to provide this and provide that benefit to their employees, then the Unions have to have their say in benefits for their Union members. 

For a grocery store it is simply a matter of raising prices to cover increased cost of doing business, there are only so many ways a bank can cover the cost of doing business if they still want to remain available for the people in the community. In America it seems the community banks are closing, or being consolidated with other larger banks, this is leaving many people and communities with out banks.

I know a lot of people see banks as the bad guy, I am one of them, but it is a lack of community and society that has allowed the system to become the corrupted one it is today.