HoodedCrow, with regard to this sea-of-tat enigma, could it be that (a) there is often social pressure to present a "gift" which is just an ancknowledgement, really (cf Native American potlatching - only they recycled the gifts, so not as wasteful as we are) and/or (b) which is much complex, so I am going to have to start another paragraph:
There is low pressure on banks to have business accounts repaid in full; with interest rates so low, why not let credit facilities keep rolling? Yet with interest rates so low, banks are a bit stuck for other opportunities to make money, so they might as well have regular (and increasing) income from the never-paid-off credit facilities of such businesses.
Moreover, banks are in a bit of an awkward position if there are a lot of unprofitable/samey businesses in one spot. If the business landlords also bank with these banks, the bank will have cut off the income of their clients. Even if the banks don't have any business landlord clients to worry about, they still worry about (a) not getting their capital back if they foreclose (a bit like killing the goose that lays the golden egg) and/or (b) the psychological effect of empty shops. If it looks like shops are closing down all over the place, that means a big increase in supply (shops for rent) but a big drop in demand (with empty shops around, wouldn't you be scared to open up?). Lack of demand means lack of business customers for the bank, therefore less income.... just an uncertain future. Easier to finance the "income" they are still (apparently) getting from these samey-samey-not-very-profitable shops.
Does that sound likely for the area you are talking about? I know that when the recession started, our local shopping centre lost a number of big anchor tenants, and in one case, put up a big, decorated hoarding, with the legend, "Winds of change are coming to the X". They were pretending that they were talking about balmy breezes rather than cold winds which kept that particular shopfront empty for over a year, but the hoardings did the trick of looking good, rather than looking empty and desperate.