But self-checkout lines don't provide any further service. They make you do more work for the same result.

Yes. A much better point. I wasn't really thinking of, or acknowledging, the additional benefits that ATMs have provided beyond saving banks payroll. Like, gad, you can get money in France on a *Sunday*.

Interestingly, an old GF's friend had a job with a West Coast bank where the whole point of the job was to optimize how much money was waylaid in ATMs. Yes, they never want the ATM to run out of money, but, at the same time, all that cash sitting in ATMs isn't *making* more money the way the bank would like. So some of his schemes involved things like "rapid response" ATM restockers -- Corvettes loaded with cash zooming around the city refilling ATMs on a just-in-time basis!