it's hard to believe someone is that stupid. "always" a religious explanation for everything. why earthquakes happen, why jimmy spilled his ice cream while riding his bike (well, of course because he masterbated the night before - you KNOW how God hates that), why people get in car accidents, etc, etc, etc
the chick next to him is kinda funny. you can almost hear what she's thinking: "oh fuck, this idiot's going insane on me again... i've GOT to get another job! ok, keep it together - just nod your head approvingly.. remember - two more payments and the car's yours!"