Why and how loyalty deterioates a society

Today I called SBI (state bank of india) to have a Fixed deposit for a good amount of money but it took me 4 hours of phone call with their customer care and nobody could help with anything. This is a huge problem with he public sector organizations in india where job security will be there with you irrespective of whether you work or not, whether it the company is doing well or not. There were no ATMs in india before citibank came and threatened these mighty public sector banks. Till date date public sector employees be it may the tellers or a watchmen are the rudest among any employees in the world.
If there were no private banks in india to threaten these banks then there would have been no ATMs, there would have been no improvement in the behaviour of these employees of the public sector. If there were no private transport system then there would have been no improvement in the transport system of india. If there were no private airlines then there would have been no improvement in our airlines. If there were no private telephone carriers then there would have been no IT revolution in india. If tomorrow all people in USA decide to buy only good made in USA then they will be 100 years behind any other country since making an gadget in asian countries like china, taiwan or india costs atleast 10 times less than what it costs to make it in USA. Many of the things like tomato, chilli were not from india including electricity, automobiles etc, so should we reject them too? One should always choose a better service or product when available because only that will encourage competition and betterment of the existing service and product. The worst thing that one can have in the world of consumerism or even employment is loyalty. Brand loyalty will ruin a product and makes the makers of the brand lazy since they already have an established market and they dont want to improve it anymore but just maintain it. If tomorrow a telephone carrier has all of its customers as loyal as they can be with it then they never have to worry about improving their service and there would be no reason for others to compete with this telephone carrier since anyway they are not going to get their customers since they are loyal with it. I think the same is applicable for employment too. If a company or organization knows that its employees are not going to leave irrespective of no salary hike for year, no remuneration, no standard facilities or deterioration of the work culture then they will never try to improve the conditions of their employees since now they are taken for granted anyway. If a production environment has no people to produce since they are fast moving to someone who treats them right or pays them well then obviously the current organization will be forced to be competitive in taking care of its employees in terms of remuneration and over all well being of its employees. Loyalty is a very dangerous thing which will lead to the deterioration of the society.
You might observe how a guy and girl take care of their looks, health, fitness, appearance to keep it pleasing to their partner but once they either get married or know that the other has no where to go to then they have taken each other for granted. Wife no more has the need to take care of the herself, groom herself, lose all that extra pounds, no need to dress well or cook well since her guy is tied to her now and she has no "need" of putting an effort to please him. The same is true for the guy too once they are wed-locked with each other. This is the reason why it is better to always move to a place or move towards someone where you are treated better or atleast you will be treated accordingly, the way you treat others or the way you treat a place. If someone or some place is ready to invest the same devotion and dedication in you the way you do to them then you are a coward not to take that chance who would rather stay cozy with known devil than an unknown possible sanity.

Horizontal Growth System (HGS) against the Vertical Growth System (VGS)

Many are predicting that majority of a country's population (as much as 90%) will some day live in cities ( I hope it is not the conspiracy of some real estate goons, lol) and I do not know why is that such a great news. It saddens to know that many have to leave their home, people, neighbors, favorite restaurants, favorite hang out places or the memories of their childhood to earn a living to some far away place where nobody knows nobody and they try to nobody and even after knowing the nobodies none will know till a month passes by when you die in your bed with old age until you smell too rotten to your neighbor.
Shouldn't our aim be to develop all the regions equally, together? Is it not our priority to have an inclusive growth? If we want the inclusive growth to happen then we should slowly scatter the sources of growth all around the place to promote inclusive growth where there are multiple centers of growth. It is also a great thing to do in terms of national security since if you have 90% of a country's population living in one place it is easy to finish off a country's majority of the the population along with all the main leaders of the country with just one bomb.
Imagine if a country like India has 26 capital cities for each state and 90% of the population of a state lives in the capital city of that state then all it takes for another country to destroy is less than 30 bombs.
The power or source of these growths are not just industries or farming but mainly the education centers. one should give a choice to the colleges which are offering degrees in the city but meeting up the expectations to either lose their license to offer the degrees (Medicine, engineering, diplomas etc.,) or move out of the main city and to a district from where a lot of students are coming to study to city. Let us say there are 20 districts in a state and there are 200 engineering colleges then our goal should be to distribute 10 colleges per district. Many employers flock to a place where there is talent and now if the talent is spread across the state the employers too will spread. This will improve the stability of the employees too since now they cant jump to another employer every year since all the major companies are in the same city. It will lessen the burden of the city, reduce the cost of the living, student now will have to stay or move to a different district or state for studies and that will end racism by letting them interact with the other part of the country's people. Instead of 1 mega center of power, growth and population now we have multiple powers of growth offering redundancy and inclusive growth. We must try to reduce the burden of the city by creating alternate centers and regions of growth, employment and opportunities in every district.

Limit the height of non residential buildings, this will make businesses spread horizontally, covering more area and the cost of housing (apartments) will reduce. Reduced housing means people will prefer owning instead of renting and when if an area has more owners residing in their residence then the residents will care more about the area, politics in the area, positive growth in the area instead of moving elsewhere if it becomes too unsafe since owners invest not just in their residence but also in the area of the residence.
This will put an end to hunger, parents having to die a lonely death at their old age, traffic jams in cities, unemployment, cost of living, cheaper real estates and a lot other things which are caused by crowded population at one place.
I will make it even simple for you if you don't want to read all this. If 90% of the earth's or a country's population lives in the city then one nuclear bomb is enough to take down the whole country, a single contamination of the water source for the city is more than enough to take down the whole country, a single power failure to a city is enough to take down the whole country or a single man made or natural epidemic is more than enough to take down the whole country.