I think you're on to something. The answers do lie in mobilising the community. I've read articles in the past about small communities running co-operative shops where everyone does short shifts and helps out. This could be extended to other products and services but it's quite an intimidating thing for people to get off the ground on their own. It would benefit from some free professional support and advice.
And I still think we're letting the Royal Mail off lightly. They're being allowed to divest themselves of post offices without any come back over social responsibility. While staff are being made redundant and older people become more excluded, Adam Crozier, the Royal Mail's chief exectuive, received a 26% pay rise last year. He's now reputedly on a package of £1.25m - how many post offices would that keep open?