Banks sometimes charge fees to make cash withdrawals from ATMs, even ATMs belonging to the same bank that holds your account (true at least in my personal case,

Banks sometimes charge fees to make cash withdrawals from ATMs, even ATMs belonging to the same bank that holds your account (true at least in my personal case, outside the US). If you are paid via direct deposit, you're financially incentivized to stay cashless. The direct cost of spending via debit/credit card (if one doesn't carry a balance) is zero, compared to the cost of withdrawing cash. If you want to inventivize salaried professionals to pay with cash, try outlawing fees on ATM withdrawals first.