You may be absolutely right.
But it also seems odd that Dear would all of a sudden decide to come out of the woods and rob a bank.
He was living in a shack with no running water or heat. If anyone was in a position to feel the need to rob a bank, it was him.
Add to that the idea that that bank may have had something to do with the reason this guy was living that way. Maybe they foreclosed on the home he had been in.
We don't know and the media HAS BEEN INSTRUCTED not to tell you if that is the case. Just like they were INSTRUCTED not to report on the Muslims celebrating after 9/11.
Maybe he needed somewhere he could 'wash up' . Banks have public restrooms.