Elspeth Eric's stories tend to involve psychological exploration. This one, about fear, was a drama partially played out inside the protagonist's mind. Notice how both the police and bank president's actions stop short of any consequence or action (no arrest or going to the police station for questioning despite the evidence; Eddie keeps his job despite being filmed robbing another branch).  These robbery and hero fantasies are juxtaposed against his real interactions like attention from, and then dinner with, his pretty coworker. Eddie resorts to these daydreams in order to boost his confidence incrementally in response to his fear of inadequacy. As the romantic interest progresses, so do his mental exploits because he thinks he needs to be a "bigger" man than he actually is for fear of the relationship ending.  As the story concludes, he realizes that he just needs to have the courage to be himself, a point that is reinforced by his new love interest.  A great story if you listen to it in this context. 