Some of the changes you mention are benevolent for the people. Morbidity and mortality experience among workers in the auto "paint rooms" and miners, especially underground coal, are very high. We need to find ways to provide job training and employment practices that improve job mobility.
Paradigm shift in the processes that are applied to manage financial activity.
14 years ago I moved EVERY thing to a financial services company that started life as an insurance company (I have carried their insurance since 1968) and has grown impressively in the breadth of services provided to members.
I have never even seen the physical location of my bank.
All transactions are now online with a rare reversion to snail mail - they are mailing a new window decal, and never any need for physical presence. Deposits I make from the chair in which I am writing this post, using the scanner next to my computer. There is a size limit for online deposits but I have never come near it. It was $10,000 but I think that has been increased to $20,000. Should I ever have such a large deposit it will be very easy to make, easier than going to a physical location of any bank - any UPS office will handle it for my bank.
The bank is member owned, its business focus is to provide members with highly efficient, totally trust worthy services. Likely this places it in the forefront of seeking the most efficient means of filling member needs, but there is nothing magic about member ownership, every bank can do it although the margins will be smaller. I guess the banks which move first will end up with the largest customer base and those which delay will be playing catch-up.
There will always be some individuals at both extremes, the poor and the rich, who need or demand personal banking. Many of the poor do not have bank accounts, something needs to be done to help them, the sharks are feeding on them. The rich already have personal banking and pay a pretty penny for it, but that penny is generally a small percentage of their total assets.
The layoffs are alarming to the employees who will have to find other employment, and there will be some shakeout in the banking industry as they juggle for position, but the bottom line is that it will be better for us all.