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There are typically agreements with ATM operators to allow no-fee withdrawals, and you can usually do cashback at the register when making a purchase in many stores, but beyond that you’d need to find an office that can handle cash and not all credit unions have those.
It’s so good for more reasons than just being able to use other mods safely! It’s really nice being able to transition between areas without having to resummon, how some progression/unlocks are shared, and that all connected players get to use Torrent and spirit ashes.