Who said any of them were "scared"?
I don't go into 5/3 because I can't carry in there. I only use the drive thru. If you go 4 places in a day, lets say, gas station, work, bank, store, plus home and car, and everywhere but the bank allows you to carry, you have an IWB holster, under tuck, for the average customer, it's more of a hassle to disarm for 10 minutes, than what using that bank is worth.