The sandbox wants more local branch banks

I think we are seeing a confusion about bank employment, it changes.

Sandbox makes auto pricing real, and transaction rates go way up. It puts a high utility on the local ability to assess real property value, including  transportation and government. So the any asset, properly evaluated, can gain the utility of digital markets, if the qualified banker evaluates. Retail branch has fewer human in the queue, but they have high utility service agents in the field.
They work the boundary between pure cash and smart contracts.