ATM the Barbarian strikes when you need cash the most.
High withdrawal fees, out-of-network charges, and sneaky transaction costs make him a true menace!
IRL equivalents include extra bank charges on "out of network" ATMs and high ATM transaction fees. He takes advantage of convenience and TRAPPED MARKET PRICE GOUGING!
It's like a bully taking part of your allowance.
To defeat him: use your bank’s own ATMs, plan withdrawals, and monitor account balances closely. Every precaution weakens his power.