Sure, banks don't do it to piss us off but when you see a street like Yonge Street, which is just begging for some serious retail, get crappy retail or service, it's frustrating. Yonge Street has so much potential, with all the new development going up. All it takes is just one brave retailer/developer to do well, and all the other lemmings will line up to open stores. Once the major retail stores make some serious money, it won't be long until Yonge Street becomes a serious shopping destination. (assuming they don't screw it up with too many banks, nail salons, junk stores and those loan stores) It's going to happen, we just need someone to take the lead. We also need developers to build some great retail spaces and not be so timid. How could Yonge Street not be successful, with the population all along that street exploding? It's kind of a no-brainer. Again, all it will take is the synergy created by the right concentration of nice retail spaces and quality stores. (along with restaurants, bars, entertainment/culture)
Banks can go on side streets, basements or 1 level above ground. We need to keep the prime spaces with establishments that will create a destination. Even shopping malls, put a lot of time and planning into what stores/services create the right mix to attract shoppers. Get it wrong, and you're screwed!