What I learned from an ATM
Jul 07, 2026
I can still picture it.
It was 1987, and I was walking across the campus of the University of Iowa when I saw someone stop at what was, to me, a remarkable piece of technology. He slid a plastic card into a machine, pressed a few buttons, and moments later cash appeared.
No bank. No teller. No line. Just a machine dispensing money.
I remember standing there thinking, Well, that’s going to change everything. And in many ways, it did.
Like so many people, I assumed that if a machine could hand out cash, bank tellers might soon become a thing of the past. After all, why would a bank continue paying people to do what a machine could accomplish twenty-four hours a day?
Nearly forty years later, I can better understand that technology rarely replaces people. It replaces routines.
Bank tellers didn’t simply disappear. Their jobs evolved. Instead of spending their days counting bills, they began helping customers navigate loans, open accounts, solve problems, and build financial plans. The machine assumed the repetitive task, freeing people to do work that required judgment, trust, and relationships.
When grocery stores installed barcode scanners, people predicted the end of cashiers. Instead, checkout became faster, stores expanded, inventories became smarter, and entirely new jobs appeared in merchandising, online ordering, logistics, customer service, and supply chain management.
The scanner didn’t replace people. It changed what people were needed to do.
I spent my career working for John Deere, and the greatest example may have happened in agriculture.
A little over a century ago, 60% all Americans worked on farms. Then came tractors, combines, and mechanized agriculture. If someone had looked only at those disappearing jobs, they might have concluded the future looked bleak.
Instead, those workers became engineers, teachers, nurses, entrepreneurs, factory workers, scientists, and business owners. Entire industries that define modern America were built by people whose parents and grandparents once worked behind a horse and plow.
The lesson keeps repeating itself.
Computers automated bookkeeping but created careers in software, finance, cybersecurity, and data analytics. Robots transformed manufacturing while increasing demand for technicians, programmers, engineers, and quality specialists.
The pattern is remarkably consistent. Technology does not eliminate the need for people. It elevates the need for people who are willing to learn.
That doesn’t mean change is painless. Every major technological leap has displaced workers. Some careers have disappeared. Communities have struggled. Reinvention requires humility, resilience, and courage.
Every generation has faced innovations that looked frightening at first. Every generation eventually discovered that human ingenuity has an extraordinary habit of creating opportunities that were previously unimaginable.
Today, artificial intelligence has become our newest ATM moment.
Some people see only the jobs that might disappear. But when I think back to that day on the University of Iowa campus, I also remember how limited my imagination was. I could see what the machine was replacing. I couldn’t yet see what it would make possible.
The future is going to ask us to become even more human - to think more creatively, care more deeply, solve more complex problems, build stronger relationships, and imagine possibilities that no algorithm can envision on its own.
The greatest resource any generation possesses isn’t its technology. It’s the remarkable ability of ordinary people to adapt, learn, and reinvent themselves. Machines will continue to become smarter.
And I believe we will continue becoming wiser.
And if history is any guide, the most exciting opportunities aren’t the ones we’re losing. They’re the ones we haven’t imagined yet.
Tony Thelen is the founder of The River Coaching and Consulting, LLC, an executive coaching firm based in West Okoboji. He is the author of "Am I Doing This Right?" and "Things We Desire." He works with CEOs, business owners, executives to remove pain, anxiety, and stress while making room for true personal and professional growth. Contact Tony at [email protected] or learn more at www.therivercoach.org.