I remember reading an article from Australia where a woman requested to withdraw a five figure sum (over 20k) in cash from her own bank account but they’re like “sorry, we can’t do that” making excuses on the way of “need proof on how you acquired such money”, even though she provided all the evidence, they still refused anyway. She was like “WTF? It’s my own money!” so there’s a possibility that banks dictate how much one can withdraw.
I mean, more of a friends of friends or room mate (not a complete stranger). Like the memes equivalent to “kid uses mom’s CC to spend on fortnite skins” but it’s more on your own circle, withdrawing large sums is too obvious. So, an individual will only make their own family members or friends withdraw small amounts at a time at separate intervals (every few months).
The withdrawal can be done by using another person’s card (instead of your own) making it look like they did the transaction (think of skimming devices implanted onto ATMs that are compromised). However it’s a grey area.
There are individuals who “copy existing bills exchanging those for legitimate ones with different serial numbers” (counterfeit) and that actually happens, like for example: North Korea is infamous for producing convincing clones of US$100 bills that look believeable.
That’s where cash serves a purpose, as a payment method during that kind of scenario.