huh, thats not common in my experience. Most people are with Sparkasse or other mayor banks which allow for free cash withdrawals, at least in their network. You can also get cash in supermarkets o.O
50€ notes are really common in Germany (and probably the rest of the euro zone), mistrust only starts at 100€ and above, most shops don’t accept 500€ anymore and 200€ also became quite rare
Most probably do, but thats not specific for cash and also depends on your local Sparkasse