I must be lucky, because i work in a city centre, and all the ATM's are charge-free to extract money.
I was miffed at Glastonbury to find my phone ran out of credit, and i had to call about an interview i was doing, so needed to top-up. I had to walk to the Avalon stage to find a cash machine that did top-ups, and there was a bank of nine, with massive queue. Great - stand in the sweltering heat for twenty minutes ... then i saw a mobile caravan with just a 'top up machine' which was empty - result!
I would pay to use a CP if i needed to, but I'd draw £200 to make the feee justifiable.