IMO, depositing cash is the hardest part of any run, because that is the point where you have the most time invested in your run.
There are many people that run solo and the objective with that is to stay under the radar as much as possible. It's to limit exposure and its annoying to have to go to an atm to drop for a few K when you have shootouts in every town, posses in choppers landing on you etc. Especially if your new and don't even know where all the ATM's are at.
This gives new players a chance to store money in a renegade house and figure out what to do with it later.
Also, ATM's do not show up on the map, you just kinda have to know where they are. New folks do not know where they all are yet, does anybody know where they are all at?
I am not actually speaking of this on my own gripe. I see a lot of new people that come and play the game for a bit, they earn a house and then they get the ultimate jacking because they were holding a lot of money. These guys don't seem to come back.
Naturally this game will always be hostile, as it should be. Anyone new coming in may need help in understanding that your homestead and process is key to survival.