ATMs are still need for those of us that travel to many countries which are not set up for receiving payments from Thailand banking apps.
Cash is king when travelling, there's no doubt about that.
Yes, i've had one a while now.
You always need to have in your a/c double the amount of your limit eg 100K limit, balance cannot fall below 200K
This is without a WP, with a WP i believe it works like a normal CC without the balance criteria.
The ointment is fantastic and very effective, the cream not so much so ( in my experience ).
The ointment in Thailand is about 180 baht for 5g, i travel a lot thru Dubai and can get 4 x 25g for approx 600 baht so i load up each time.