Maybe my husband is paranoid, but he will only use an ATM outside a bank and if the bank if open at the time. I had always smiled at his caution until we were on a trip in Turkey. One of our companions tried to draw money out of an ATM one evening and the machine 'ate his card'. Our guide called someone, and next thing a police car arrived and our companion was asked to go to the police station with them while they sorted out the problem with his card. While he waited at the police station drinking coffee and talking to the police, the bank manager came from his home, went into the bank and retrieved the credit card. This was then brought to the police station and our friend then driven to our hotel.