Virgin Lift Lizards

Virginmoney advert:
Three lounge lizard, executive types are in a lift (lift lizards?). Two are chatting about how superbly brill the Virgin credit card is. They turn to the weird-looking, slightly nerdy third lizard and ask which credit card he uses. Said third lizard promptly dons headphones and pretends to be listening to music, even though the headphones are not plugged into anything. The inference we are supposed to draw is that Lizard Three is deeply ashamed of not having a Virgin credit card because that is an omission which makes him a schmuck.
Why then does Lizard Two pick up the trailing end of the headphones wire and speak into it to mock supposedly stupid Nerdy Lizard? How fucking smart does that make Lizard Two? This is a bloke who speaks into the end of an unplugged wire hoping that it will make him heard? We're supposed to take financial advice from him??
MY overall inference from the ad is that someone on the top floor should just use bolt croppers to cut the lift cable and let all three lizards experience a really painful flat rate first-hand.