Yeah the bank example I find highly disturbing. We start to get into territory where people are prevented from living their lives because they are parents. I don't know about you but I don't have childcare at my beck and call so I can do things like go to the bank! That's nuts.
If the bank disallowed children from entering, I'd agree that would be stupid and counterproductive. Most clients have families. I'm just trying to say that plenty of businesses don't have a setup that's geared towards kids, and there's nothing wrong with that.