Let's say you've been (for years) throwing your quarters in a bucket for later use and have accumulated 1000 bucks worth.
If your credit union is like mine, you have to count those quarters and put them in rolls before they will take those quarters out of the rolls, run them through a coin counting machine,
If you want to spend those quarters for groceries, Coinstar wants to charge you over a hundred dollars to accept your quarters.
If you want to take them to a casino and gamble with them in a "quarter machine" the casino will limit them amount they will take, run through their counting machine, and convert to a paper ticket to use in their machine.
If the organization that runs the banks thinks banks need more quarters, it should tell the banks to make it less costly in time or labor to exchange those quarters for other currency or deposit them.