i know you’re severely opinionated, but you need to think this through. say you have an ATM. who supplies the money? you? ok. fine. you want to go through the hassle of replenishing the machine with clean money as needed. what happens when the machine breaks or needs servicing? i doubt you’re qualified to fix it. and even if you are that costs $.
how do YOU get the issuers of each card to reimburse you for each charge? THEY have to be notified by the ATM. how do you think that happens?
someone else has to provide the infrastructure for the ATM to work. and THEY set the rate of how much to charge you for the service.