Stephen Leacock's story concerns a man who seems to have anxiety issues about money. He further shows nervousness regarding interactions with people in authority. More generally, he may become anxious in social situations. He discusses this primarily in terms of his interactions with bank employees but also mentions his awareness of other people's opinions.

In the twenty-first century, it is rarely necessary to enter a bank to open an account, make a deposit, or withdraw cash. Formerly, however, going to the bank in person was usually required for opening a new account, especially for a new customer. The narrator is unfamiliar with the processes involved and seems hesitant to ask questions. He does not directly state the type of business he needs to transact, so his behavior initially arouses suspicion.