The restaurant-next-door analogy, representing fungibility, isn't quite right. If BofA is closed and you want to do something in person with them, you can't go to an unrelated bank. If Spotify goes down for an hour, you're not likely to become a YT Music subscriber as a stopgap even though they're somewhat fungible. You'll simply wait, and the question is: can I shuffle my schedule instead of elongating it?

A better analogy is that if the restaurant you'll be going to is unexpectedly closed for a little while, you would do an after-dinner errand before dinner instead and then visit the restaurant a bit later. If the problem affects both businesses (like a utility power outage) you're stuck, but you can simply rearrange your schedule if problems are local and uncorrelated.