Preheat oven to 350 degrees
In a small bowl or mug, combine the milk and the lemon juice, set aside.
In a large bowl, cream the butter and the sugar, add in the eggs and whisk until combined. Add in the bananas and using a potato masher, mash them until incorporated into the batter. (If you don’t have a potato masher you can use a big fork or spatula) Add the milk mixture, stir well.
Add the flour, baking soda and chocolate chips. Mix until fully blended.
Spray or butter a loaf pan, then pour your batter in.
In a small mixing bowl, combine 2 packets of instant oatmeal mix and 1 TBS butter with your fingertips until crumbly. If you don't have instant oatmeal, you can use 1/2 cup instant oats & 2 TBS brown sugar in its place.
Bake on the middle rack for 50 minutes to an hour or until a toothpick inserted comes out mostly dry (banana often will leave residue).