Why do you have to pay $4 to get $40 cash at a bar? And who does it go to? Zachary Crockett checks his balance. SOURCES:Bernardo Batiz-Lazo, professor in the Newcastle Business School at Northumbria University.Patricia Tuz, president of New York ATM.Jon Weilbaker, general manager of New York ATM.Sasha Weilbaker, freelance writer and daughter of Patricia and Jon. RESOURCES:"The Number of ATMs Has Declined as People Rely Less on Cash," by Jim Carlton (The Wall Street Journal, 2023)."Survey: ATM Fees Hit Record High While Overdraft and NSF Fees Fell Sharply," by Karen Bennett and Matthew Goldberg (Bankrate, 2023)."More Americans Are Joining the ‘Cashless’ Economy," by Michelle Faverio (Pew Research Center, 2022)."Thieves Target ATMs Flush With Cash During Covid-19," by Scott Calvert (The Wall Street Journal, 2021),"Locational Study of ATMs in the US by Ownership," by Lian An, Christopher Baynard, Chriadip Chatterjee, and Chun-Ping A Loh (2018)."A Brief History of the ATM," by Bernardo Bátiz-Lazo (The Atlantic, 2015). EXTRA:"Why Are We Still Using Cash?" Freakonomics Radio (2016).