By mom and pop shops you mean retail. I don’t think the aspiration of humanity (or a participant) should be to have a retail business. It’s neither the good being sold nor the person utilizing it. The retail shop itself was inefficient and often expensive with little selection and almost no reviewing mechanism. It’s sad sure, but it was replaced with something far better.

That replacement also drove costs down, and unlocked tremendous amounts of time spent “doing” retail shopping and as a society it’s our job to put that time and those savings to use. It’s also our job , in a moral sense, to make sure displaced industries/people like “retail” also find a new way of being productive.

Let’s not forget the investors that have reaped tons of benefit from this. They too have allocated those funds back to the market either via spend, investment, or tax. Even if the capital is idle, the bank has it which is also giving someone a job.