I would feel cheated by my bank if they'd invest their money in things like a cafe. I want them to be my thin layer between me and the ecb. With an open api, features and (in the end, hopefully) a marketplace. I like to spend money on it, but this money should in return be directly used to make the product itself better. The smaller the amount spent on the surroundings, the bigger the amount they can spend on things that actually matter to every user.