Subway?
Though I should point out that this is not baking, but simply putting premade delivered dough into an oven. The dough is baked, yes, but this is not what people mean by baking.
A bakery generally is mixing flour themselves.
Frozen dough doesn't come out the same, nor does reheated pre-baked bread. It's fresh it just isn't made from scratch there in the store.
There's a couple dozen fresh dough facilities scattered throughout the US that serve all of these restaurants that need fresh bread, but without the cost of paying someone to mix flour locally.
The thing you buy at 6am (or 6pm, lol) was in an oven or a mixer (depending on whether the chain in question is baking on site or at the hub) at 12am that morning and on a truck at 3:30.
It's been a while since I ate there, but the bread quality was for-sure not up to "we hired a baker to elevate our sandwiches" standards.
The bakery has to become a inferior sandwich shop to make sandwiches. The sandwich shop doesn't have to become a bakery to bake just the types of bread that they need to wrap their sandwiches.
The bakery would be better off selling dough to the sandwich shop.
Yes, the core idea behind Stack Fallacy was that if you are Apple you don't need to build a better CPU than Intel for all workloads - you just need M3 for your Mac.
So yes - just one type of bread. Like Subway. Or Panera.
There's a lot of overhead in a sandwich shop hiring a baker, then outfitting a kitchen to efficiently bake bread at scale. And how do you handle his days off, with n=1 baker?
Vs. a bakery only needs 4' of counter space to do a modest volume of basic (cold cuts & such) sandwiches. Unless it's a pretty upscale bakery, the customers will be fine with less-than-fancy sandwiches at less-than-fancy prices - those are mainly a "while I'm here" convenience. Vs. a "great sandwich" shop has to qualify as a destination.