Exactly. There is a bigger game afoot. This is no lone actor; nobody, not even an insane person, would use the CC they stole (perhaps from a person they killed) as the drop point for a ransom.
The pucker factor just went up a couple of orders of magnitude.
Prayers to and for all - I'll see everyone tomorrow. (I'm feeling better to the point that I'll probably go ahead to work tomorrow - even though I still feel relatively s#itty)