So today I saw a sign that was transparent enough for me to see the other side, so instead of seeing ATM I saw MTA. That got me to thinking how correct the analogy is, that the one is the reverse of the other.
When you go to the ATM, you put in a card and get money.
When you got to the MTA machine (to purchase your subway tickets), you put in money and get a card.
And if you loose what either machine gives you, well, you're out of luck.
(as an aside, I spent most of my young adult life thinking SOL was "so out of luck." I also thought FIGMO stood for "forget it- got my orders" and boy did I get a chewing out for that one!).