woah, I was with you until you brought chipotle into this. Hopefully we can agree that it's valuable to support your local chipotle over the financial district's chipotle, since it's also keeping people employed in their communities.
Businesses fail and are replaced with other businesses all the time, it's part of the normal flow of capitalism. Within a specific community, as businesses come and go, as long as the old one is replaced with a new one then employment opportunities are still around. Eventually something will open up that is a home run and then that store will flourish in the community, which will likely create even MORE employment opportunities and if it's a local store then a lot of that money will stay local in the hands of employees, owners, local government (taxes).