This is a kind of "prove or give a counter-example" question, and I'm having some difficults with it: By a maximal ideal $I$ of an algebra $A$, we mean an ideal $I\neq A$ which is not properly contained in any other proper ideal of $A$ (possibly, $I=\left\{0\right\}$. Let's write $\mathbf{1}$ for the unit of $A$ (if it exists).
Question. Let $A$ be a unital commutative Banach Algebra and $I$ a maximal ideal of $A$. Prove that $I$ is a maximal subspace of $A$. Is this result still valid if $A$ is not Banach or commutative or unital?
The first part is pretty easy: Maximal ideals are of the form $\ker\tau$ for some character $\tau:A\to\mathbb{C}$, and then $A=\ker\tau+\mathbb{C}\mathbf{1}$, so $\ker\tau$ is a maximal subspace.
If $A$ is not commutative, we have a counter-example: The algebra $M_2(\mathbb{C})$ is simple, so the unique maximal ideal of $M_2(\mathbb{C})$ is $\left\{0\right\}$, which is not a maximal subspace.
I couldn't solve the rest of the question: If $A$ is Banach and commutative but non-unital, maybe I could consider its unitization and associate maximal ideals of $A$ and $\widetilde{A}$, but I couldn't do that.
The only example of commutative, unital, non-Banach normed algebra I can think of is $\mathbb{C}[x]$, the polynomial algebra in one variable (with any of the usual norms), but the only maximal ideals of $\mathbb{C}[x]$ are of the form $p(x)\mathbb{C}[x]$ with $\operatorname{degree}(p)=1$, and these are maximal subspaces.
Any hints are appreciated. Thank you.