Is it dumb to pay cash for a used rig, private seller?

It's not really my bank. It's a bank that has an agreement with my small, local bank back home. They didn't tell me the agreement had crazy restrictions. I mean, if I can't get any more cash than I can get at the atm, what is the point?

Turns out sellers bank has a branch half a block away, though, so we can get cashier's check and walk it down to their bank. After AAA. This is going to take all afternoon.