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I doubt seriously that the father went to the ATM twice at 3-ish in the AM just because he lives in a party town. Perhaps if he was in a casino, he may have cause to go to an ATM in the lobby, but I see no indication he was in a casino or partying anywhere.

His withdrawals at the time stated are very mysterious, slightly sinister, and frankly, stick out like sore thumbs.

It could have been pay-off money for rent on a boat and the boat's operator.

Or perhaps he intuited what was coming down on him within hours.....and he wanted to leave cash in the house for the immediate needs of his wife and family if he wasn't around, plus a minor amount of carryin' cash for himself if he needed it.

Then too, he may have withdrawn every last euro to leave with his wife for safe-keeping or to be sent to Holland.

In short, it's my belief he probably knew he wouldn't be getting to his bank at any time soon, if ever.......

Leni