Pre-heat oven to 350 degrees. Line an approximately 7 or 8-inch square baking pan with parchment paper or give it a light spritz of non-stick cooking spray.
Add the oats, flax, salt, coconut and cinnamon to a large mixing bowl and mix well.
Add the mashed banana, milk, vanilla and chopped dates and mix into a thick batter. Add everything but the optional maple syrup and chocolate and mix into a thick batter. Taste the batter and if you feel like you want it a little sweeter, add 1-2 tbsp maple syrup to sweeten.
Add the mixture to the pan and flatten out until even. Bake for 30 minutes.
If adding the chocolate topping, melt the chocolate chips stovetop in a double boiler or in the microwave in 15-seconds increments, stirring often. Spread the melted chocolate evenly over the bars using a spatula or the back of a spoon.
Let cool before slicing into 16 squares or 8 large bars.