Neither Xavier nor Miranda expresses an opinion on this point. Neither one says anything about sitting outside being unpopular in general—even Xavier is only saying that it’s unpopular in the specific context of this one restaurant.

Neither speaker expresses this broad opinion. Xavier never mentions banks, much less what they should or shouldn’t do. Miranda does talk about banks, but doesn’t go as far as saying that banks shouldn’t finance any restaurant without indoor seating, just this one restaurant.

Neither speaker expresses an opinion on this. Both imply that indoor seating is necessary for the restaurant’s success, but neither speaker suggests that indoor seating is sufficient, all on its own, for (probable) success.

Neither speaker expresses an opinion. For one, Miranda never discusses outdoor seating as a poor choice. She just believes it was unwise to provide no indoor seating. Maybe a restaurant with both options would have been fine.

Xavier and Miranda both agree with this. Xavier says that the restaurant’s failure was unsurprising, and Miranda says that the bank should have seen that the restaurant was likely to fail. When failure is likely, that’s equivalent to “risky.”