You know the people see bitcoin ATM close to them and see that it will be fast, this has been the reason they prefer to use the ATM instead. What I meant as the appropriate time is to exchange the coin to fiat or the fiat to coin in surplus and it should not be in a way that you will have to do things in a hurry. You can make use of those decentralized exchanges instead if you are the type of person that I described, to do it in advance and not in a hurry.
I see what you mean now when you mentioned the idea of doing it earlier and in surplus but there's the category of people who can't have much cash lying around without the need to spend it all but all the same, it's great to know that there are other alternative ways to battle this .