It surprises me that a flattened out workflow like http://i.ytimg.com/vi/luu3_y2MWGQ/maxresdefault.jpg isn't widely used. There's a very strong 'default' use of an ATM, and the conventional workflow does not optimize for it at all.
My bank switched to this layout recently, and it took me a good minute to work out what was going on, and how I should go about getting my money out. It might not have been so bad if I had just read the screen though, but I was trying to find the normal menus.
I guess a machine like an ATM has be usable by 100% of the population, including people who get easily confused by more than two options/buttons, so usability has to be sacrificed for simplicity to a certain degree.
My mother is like this. She is used to card-then-cash flow. Once she was using ATM abroad with me helping her (because it's in english). The moment card came out she turned to me with frantic face asking "where's the money?!?". She generally distrusts ATMs.
I once lost my card due to cash-then-card flow. And once left cash in card-then-cash machine. Bank did returned it though.
