Why do we need ATM in GTA if I can run my bank accout on my phone?

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Seriously! I can put my cash by phone, just selectiong my bank from the menu. So what is the purpose of ATM in the game? I can never lose my phone, the battery is always charged and network coverage is 100% so there is no particular scenario, when ATMs are being more useful, than my mobile.
in GTA 5 by (590) | 175k views

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