Honestly, fair criticism, as it is still a $60 game and in my old timer’s brain that means everything should be unlockable through gameplay. Unfortunately, that’s just not how the market seems to work anymore, so I’ll just be glad their extra monetization is only limited to cosmetics and not gameplay stuff as well.
I use US bank, and their ATMs do give the option to choose whether you receive 20s or 100s.
edit: apparently headline was misleading and it wasn’t a US bank ATM, rather a US based bank’s ATM, but still, point remains, some ATMs do let you choose the bill.