Kudos for Buffy for not considering the latter alternative.

Er, no, sorry, Buffy gets no kudos from me. "Good job on not committing any crimes worse than robbery" doesn't quite cut it.

Also, I'm not saying that Buffy couldn't end up a bank robber - it's certainly a possibility, given her situation. But, like Maggie, I don't think it's such an obvious next step for her that it requires no explanation.