If you're walking into a drive thru, DON'T WAIT. Walk in the exit, straight up to the teller's window, explain you're asthmatic and can't wait behind car exhaust. The people in the cars will not hear you.
I don't understand how drive up atms are entitled. It is convenient, not necessarily lazy. Even granting it's entitled and lazy, drive up atms are far from "peak lazy-entitled human", see Uber, door dash, amazon, etc.
I used to fix ABMs (we had to stop saying ATM for some reason) and you would be surprised on how many people think there is a person inside.
One time I was fixing the printer on one from the back with the front open (most slide out on rails) and a lady ducked under the front and tried to hand me her bank card and cash.
If you're walking into a drive thru, LIE ABOUT A MEDICAL CONDITION
=
Find a walk-up ATM from a branch more deserving of your business
if possible & available.
Pro tip: Ally & Schwab (USA) reimburse ATM fees, $10 & unlimited respectively. Also some stores still do cashback for debit cards - buy a pack of gum, get $20/$50/$100.
It's being a counter-asshole. The real asshole was the original designer who decided everyone would be in cars.
You don't have an air conditioned car that can recycle your air for you. So yes, be an asshole. There are times when it's necessary to defend yourself.