In 2001, I was on a trip with a friend to Finland, Estonia, and Latvia. We needed to buy a bus ticket to get from Tallinn to Riga, and we needed some of the local currency (the bus company wouldn't take a credit card - another WTF).
So, I tried to take money out of the ATM in the office to buy my ticket. In the middle of my transaction, the application crashed, taking the OS with it (or vice versa). After a couple minutes watching the Windows automated boot process, the machine came back up to the "enter your card" prompt.
But it still had my card!
Fortunately, I didn't need my bank card for the rest of my trip, and my friend was able to get out enough cash separately. However, if I had been traveling alone, I wouldn't have been able to take the bus trip.
And I had to call my bank back home to cancel the card and request a replacement.
Never got that card back. Fortunately, no one ever used it to take my money, either.