The way Cavalry Scout presents his "case" it sounds like he expects every person and every company that he has ever paid a couple of dollars to be available to him 24/7 under any circumstances. Very presumptuous, not to mention a bit arrogant. He must expect his bank to open up for him in the middle of the night if he doesn't feel like using the atm.
Not to mention he missed the whole "it's a joking ruse to make them release early" part