Not necessarily the vendor's fault.
"Someone's ATM vendor seems to be shortcutting on their Windows licenses."
Not necessarily true; I have seen this happen to authentic, licensed Windows systems. Recently it happened to a Dell computer that actually has the Microsoft holographic sticker on the machine. The machine was purchased directly from Dell; it worked for many years, then Microsoft suddenly decided that it was no longer genuine. It will no longer accept the serial number from that sticker. Microsoft has phone numbers and websites available to help solve this problem. Their phone system accepts the serial number from the holographic sticker but then gives you a very long serial number that the Microsoft system will not accept. The web site no longer functions at all. This is the Microsoft "Genuine Advantage"!