I guess you live in a denser area than I do. If I wanted to go talk to the guys who have my auto loan, for instance, and the closest office is closed, it's a pretty significant difference if I have to go to the next-closest one.

I live in Kraków, Poland. It's a major city of this country, with population around 1M. Maybe it's a Polish phenomenon, but literally every major street has multiple bank branches on it. Of the bank I'm a customer of, I have 3 branches within 10 minutes from my home, on foot. I keep wondering what's the point in having so many branches everywhere, all of which have synced opening hours anyway.