> My local bakery is a giant chain.

That's not what I would call a local bakery. Or are they making bread there?

> Any market inherently results in consolidation.

Only when you can undercut prices through scale. There are of course baking shops here as well, but they just don't have the quality of a real baker.

>My local bakery is a giant chain. My local butcher has been driven out of business by supermarket chains.

Is that an inherent property or is it the result of people in government who believe what you believe putting their thumb on the scale of the market in piecemeal?