I don't mind waiting to use the machine. What I do mind is when I am standing there with my card out waiting for some idiot to fumble with their wallet.

I'm not sure what your bank machines are like but, no shit, we have machines that still use bank books. I can't find a good image of this but it's a passport shaped little book that you can insert into a ATM when you are banking and it'll record all your transactions in it. I remember them from when I was younger and I am pretty sure only old folks use them. Also I can pay my bills at the machine.



Note all the slots and at the top "bankbook update".

This is what it looks like opened flat.


People use these AND receipts.
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