Although people need to spend cash to fund affairs, many people find that hiding bank accounts is too cumbersome. The alternative is to simply not use your bank account for naughty purchases. This saves the cheater from having to worry about the wrong type of charge appearing. The result of this behavior is an increase in the number of ATM withdrawals. By using cash, it’s virtually impossible to track where the money is spent. If you see a huge spike in ATM withdrawals, there might be something else going on.