In our local exchange we can choose the option of cardless ATM without fee, so even we don't have a bank account we can cashout our stored money in the wallet with no hassle. All we just need to do is to verify our Identity.
That is also the same in our country. The only bad thing about that is you have to surrender your identity to them. So the anonymous advantage of bitcoin is already ruined. But it is really quick to exchange your bitcoin to fiat. So if you are in need of money, it is just a few click and you got money in an instant.