Eventually the promise of future business will be treated with the skepticism it deserves and the banks will pull out. I do not believe so. Banking customers ultimately need correctly priced capital. A bank that is cross-subsidizing its businesses typically hits a bad debt wall because it has incorrectly priced the credit. This is never good news for the credit-worthy.
Capital is either unavailable or over-priced even for blue chips as the sector overcorrects.
Banking services are no different from any other. Customers want the quality they need at a competitive price. This is not to say relationships do not matter. But they need to be based on properly priced exchanges of goods and services. If one party to a transaction is dissatisfied with the return while the other is dissatisfied with the service, this is hardly the basis for business growth.