and the teller also stayed in the house for half an hour writing the ransome note...sure.
.
Well, at this point that seems more likely than your theory of a deceased Patsy Ramsey being arrested in Thailand today.
He could have been casing the house and broke in while they were at the Christmas Party that night and was hiding in a closet..possibly in JonBenet's bedroom...and wrote it while he waited for them to come home.