Pubs and Planning Legislation

I congratulate my hon. Friend on her engagement in this subject and on the work she has done on pubs along with the hon. Member for Leeds North West (Greg Mulholland), and I was very proud to vote for the market rate alternative. My only concern about what she is proposing is that if a pub is struggling and could be readily used for another purpose, the banks will allow it some leeway to give it more time to turn its fortunes around because they will be able to get their money back, whereas if an alternative use was less certain, they may pull the plug immediately. Can she reassure me that her proposal would not lead to pubs that are struggling having the plug pulled on them earlier than would otherwise be the case?