> People don't really care to address that most of the mom and pop businesses that went out of business because Walmart/Amazon weren't offering better products or services.

In a local mom and pop store, the mom and pop owned the store and were invested in the community, Their money was spent back in the same place it came from. They had a personal stake in their reputation and knew the customers, and the customers knew them. This is how a community operates. You are thinking about it as a dry 'products and services' offering, when it is much more than that. You don't live to buy products and services, you live to do other things, and a community fosters that part of your life. The 'spending money to get things you need or want' part is to facilitate the rest of your life, not the other way around.

> They also had much less generous return policies.

Why is this an issue? People who consistently rely on generous return policies are either buying shoddy goods or abusing it at the cost of everyone else. Figure out what you want before you buy it and then it won't be a problem.