I didn't say you'd be lost, but tell me - if you're short of cash and the nearest branch of your bank is going to take a half hour to get to, are you going to spend an hour going there and back, or are you just going to eat the ATM fee for the sake of convenience? Well, that's a bit of a loaded question since you're pretty broke, but a lot of people would rather pay a fee than waste an hour. You know what they prefer even more? Paying with a card and never worrying about that situation in the first place.
Also, god forbid they're using an Apple product and have Apple Maps instead of Google. Then they're pretty much screwed.