The amount of those people that want to take all of their cash out - and not pop it in another bank (which includes buying something, assets, equities, etc) - is probably close to 0.
This is a non-issue for almost everyone.
Very true. It’s almost always a non-issue (and could probably be ameliorated if you’re prepared in advance).
But, I’ll guarantee you, that one time in your life when you suddenly NEED $25,000 for emergency medical costs, or to close a critical business deal, or to pay for your wedding, or a parent’s funeral, or to help out friend or family in dire trouble?
Then, that one time, it is the biggest issue of your life. If a polite and cautious bureaucrat blocks it, then you will be angry about it forever.
And that one time is enough for one life.
You will not understand this until it happens to you.
None of these are issues for anyone with that kind of money.
There's a thing called credit - which if you have that kind of cash - you have that kind of credit.
Sorry. But you speak from a position of privilege of which you are unaware, and you clearly have no idea about how this stuff sometimes works in the real world.
I apologize for being very rude. But you have never experienced this and you are wrong. I hope you never have this misfortune to learn this from personal experience.
I apologize for my impolite manner here.