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Pick a day to go to the grocery store, buy a pack of gum, and get some cash back! Are we all so feebleminded these days that we can 't estimate how much cash we will need for the next few days and plan ahead? I haven't used an ATM in years and yet I still manage to keep some cash in my wallet at all times. And yes, banks are just one of the many institutions out there that will rip you off if you let them.