Postal ATM hours tend to vary by branch. But generally longer hours nowadays compared to years ago. Fee has gone up too, from 50 yen 5-6 years ago to 200 yen today. Still very reasonable comparing to ATM fees in the U.S.

Credit card acceptance has increased too. Many taxi's can accept cards now and they are posted on the left rear window. If you get one that doesn't accept cards, just skip to the next taxi in line.

Most eating places especially in smaller cities still only accept cash. For places that cost a lot, they will accept a name card and send you a bill. Local company and address is required of course.

In my case I've always used ATM card to get cash and my reserve is left over foreign currencies that I never exchange back. With falling exchange rate, this practice has worked out fine. So far I only had to dip into this reserve once. When the Standard Charter Bank ATM at the HKG airport took my card, I used the foreign currencies reserve until I get back home and have the ATM card replaced.