Because in the absence of any exculpatory information, the user described climbing into a rideshare (whose driver has every reason to expect digital payment) - and then telling the driver the ride won't actually be paid, unless the driver deviates from the app GPS. And, furthermore, not leaving the person's vehicle without police intervention.

It really doesn't even matter about the card and ATM and whatnot - if the user felt they were entitled to a free ride to the ATM, against the driver's will, to the extent that the cops needed to get involved - then the passenger is totally out of order.