I flat out refuse to use the auto-teller, as there is no discount for using it.
Charge less for using it, I’ll consider it, but why should I pay the same price to do a job that is included in the price of my goods?
Then there is the human interaction of chatting with the cashier, and the folks in line.
There is always the trade-off of time and money. If I see the clerk lanes are clogged, I immediately go the auto-teller. Plus, according to my wife who used to work at Walmart, they deliberately underman the human clerk lanes and force you to use the auto-teller. Plus, the company keeps prices lower because of lack of theft from auto-tellers who don’t steal merchandise.