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> There's also odd day to day things, such as being unable to withdraw money from ATMs after hours, which is mind-boggling to a foreigner like me.

This hasn't been true for over a decade. 24/7 ATMs can be found at any convenience store, which are plentiful.

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24/7 ATMs can be found at any convenience store, but there usually are fees associated with using them. Fees that vary depending on time of day and/or day of week. The ATMs anywhere else that is not a convenience store are also still, for the vast majority, not 24/7.

Most banks offers a few free convenience store ATM count per month. Usually requirement is like not using paper passbook or set the account to be given salary.

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