people goes ATM mostly because they need that money immediately, it is not convenient at all, if they have to wait.

I've heard this countless times: "Let's go to xxx !" "Yeah, sure! Ah I have to stop at an ATM first before we do." I see what you're saying that a lot of human beings would just walk to an ATM (no matter how close or far... or they get their friend to cover them for the night), but I think there's also a good amount that would prefer this convenience...

lol, just like all those product introduction out there.....