The issue focused around banks refusing to transfer bitcoin payments into ATMs because they didn't want to lose money. 
 
 Bitcoin payment processors started blocking transactions from bitcoin exchanges because they didn't want to lose money. 
 
 http://news.slashdot.org/story/12/02/06/1921947/bank-refuses-to-transfer-bitcoin-payments-to-machines-because-it-doesn-t-want-to-lose-money 
 
 Let's start by assuming you want to transfer bitcoin from your phone to your bank's account. 
 
 ATMs