Global capitalism is all about survival of the fittest and nowhere is this more keenly felt today than in rural Wales, it says.
First the advent of auto-tellers in towns brought the banks new cost-cutting opportunities and pressures. This triggered a cull of the least profitable branches - mostly in rural areas.
The same situation has occurred with petrol stations. Meanwhile, the government has also stepped back from proposals to introduce congestion charges, which could have forced urban motorists to pay more than rural ones for once.