It would seem logical for Hankins. He was 23ish back then. A year removed from college, with his house and Porsche paid off. He could have a hard drive, floppy disk and a usb flash drive.
the problem is it doenst fit for his tale of NY woe
he had enough money for a room
then he had enough money for a studio
then enough for an apartment
why would he need that when he paid cash for his house? also he was in New York- not in Charlottesville which is where the letter is sent from?