> Um... how does he get cash out of the bank then? Does he wait 10 min in line and write himself a check at the cashier's every time? Can you even do that anymore, without using your ATM card and PIN to verify your identity?

I go to the credit union around the corner from my office, most of the time is spent walking to and from the CU. The line never takes more than 3 minutes. Usually there's no one in line.