ATMs should continue to function with 2 remaining tools of the Fed.
Why take a penalty. Bank runs are not rational but neither are people.

6 trillion was lost globally. We still have today to deal with and the action of Hedge funds. A weaker dollar does help.

On savings, now we must pay the bank interest since it has inverted,
but it beats the alternative.

disruptions are short term but dislocations are long term.

In general this will be long term but recovers quicker once spending begins agaib.