To comment on your second issue first - there never were any ATMs on Crystal - you could cash a check at the front desk or you could withdraw $200 or $300 per day in cash at the casino and it would be charged to your onboard account. Since there doesn't seem to be a casino in the plan, that shoots that opportunity. Will they still cash a personal check? Dunno.
On your first point - we aren't big gamblers but do enjoy the casino after a late show. As it looks now, all there is to do after a show is to go somewhere and drink. Unless there is entertainment of some sort (other than the lone piano in the Cove), that leaves the Avenue. Might it be so crowded that no one else can squeeze in? Oh yeah, there's the disco, but we're way too old for that! Dinner, a show (maybe) then off to the suite to read....heck, we can do that at home for a lot less $$$!