What is easier to believe?
1. That an intelligent man - whose house is about to be foreclosed on - visited 8 different ATMs to withdraw $4,000 in cash (that's 200 twenty-dollar bills, by the way) instead of writing a check or getting it all at once from a teller.
2. Someone who wasn't Fred, who had access to the account, withdrew that money because they couldn't write the check or visit a teller (because they weren't Fred).