But I'd like to see your evidence for lowest rate of ATM usage.

Peccavi, mea maxima culpa. I simply parroted what I saw on a news bulletin about three nights ago. It centred on the significant decline in NZer's use of ATMs. There are indeed an awful lot of them, but since every bank bar one now charges disloyalty fees of up to $2 for using machines other theirs, it seems Kiwis are abandoning the use of ATMs. The piece gave both the factoids I shamelessly propagated, along with mentioning one datum I could concur with from personal experience, to wit, that many people use efpos purchases at supermarkets to get cash rather than going to an ATM. The most amusing part of the bulletin was listening to a bank rep. trying first to deny that there was a trend away from ATM use, and then trying to put a positive spin on it, one that omitted any acknowledgement that exorbitant fees might conceivably be part of the reason. That was entertaining.