+/- 1
Would need to be very careful with balancing this so it wouldn't be abused or just turn into a grindy mess.
My idea would be make it so a player can only "lockpick" an ATM if there's another player currently accessing it (using the menus actively making sure they're not AFK). Gives a $100-250 payout, then there's a 5-10 minute cooldown or something which applies to all ATMs to prevent someone from running from one to another.
Could implement Hoovis' idea (quoted) about getting an individual item which it sold to a different NPC or another player.