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.
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.