It's impossible to predict when you might need money at 3:00 AM in the middle of nowhere

Laverton is, for all practical purposes, out in the middle of nowhere. It is therefore difficult to understand what anyone would need money for in the middle of the night. Other than the pub its hard to imagine there's much in the way of nightlife. There is nonetheless a pressing need for 24 hour cash access:

[Shire president Patrick] Hill says having an automatic teller machine could lessen the need for people to turn to money lenders.

"There is a need for cash to buy their goods and so obviously they go to people who've got cash to give them," he said.

"Out of what's happened over the past few days I think there's a big need in town, maybe even Centrelink could look at some kind of a cash outlet for the people who receive these Centrelink payments in town."

Mr Hill says there is a need for a 24-hour ATM in town.

Oddly, I have never had the need to use an ATM in the middle of the night or to resort to a money lender. What the Hell is wrong with me?