The two sisters who run the Cozy Cafe are so sweet. If I was feeling like a treat on the way home, I would hop off the subway and grab a loaf of their wonderful whole wheat bread (and hope they hadn't run out during the day-- apparently I'm not the only one who likes it). Cheaper than the bread in grocery store bakeries, and tons more delicious.
Once I went in and happened to be short a quarter and didn't have any cards on me. I felt so bad, but I got a smile and a "no problem!" They let me take my bread anyway. I was sure to pay them back next time.
Another time I went and struck up a conversation, and it turned to ethnicity. The sisters are Serbian, and I'm part Czech. We talked about the funny differences between languages and subtle differences between food, and she sent me out the door with a free makovnik (poppy seed roll) despite my insistence to pay for it. It was such a special gesture that I remember it over a year later.
I didn't live in Toronto for too long, but it's wonderful little places like this, owned by hard-working people, that I miss the most.