No one gave him Prozac. He got a job herding sheep. And a wife. And two sons. And settled in a nice little community in a nice little church that his father-in-law pastored. Like most of us, content in our misery. The call to go evangelize half way across the African continent to a country where he was wanted for murder was not, shall we say, convenient.
The downside to on-line automation is error correction, which requires human interaction. I feel that local brick and mortar credit unions or banks will continue to exist, mostly in partnership with larger brick and mortar retail stores in high traffic areas, to allow human interaction to deal with exceptions.