Bubba joke, but on whom?

Courtesy of Rico's cousin Dickie (who, in spite of being a now-retired lawyer, originally from the South himself, is a funny guy), this:

A redneck from Alabama walked into a bank in New York City and asked for a loan officer. He told the loan officer he was going to Paris for an international festival for two weeks, needed to borrow $5,000 to pay for the trip, and that he was not a depositor of the bank.
The bank officer told him that the bank would need some form of security for the loan, so the redneck handed over the keys to a brand new Ferrari, parked on the street in front of the bank. The redneck produced the title and everything checked out. The loan officer agreed to hold the car as collateral for the loan, and apologized for having to charge 12% interest.
Later, the bank's president and its officers all enjoyed a good laugh at the redneck from the South for his use of a $250,000 Ferrari as collateral for a $5,000 loan. An employee of the bank then drove the Ferrari into the bank's private underground garage and parked it.
Two weeks later, the redneck returned and repaid the $5,000, plus the interest of $23.07. The loan officer said: "Sir, we are very happy to have had your business, and this transaction has worked out nicely, but we are a little puzzled. While you were away, we checked you out on Dunn & Bradstreet and found that you are a distinguished alumnus from the University of Alabama, a highly sophisticated investor, and a multi-millionaire with real estate and financial interests all over the world. What puzzles us is, why would you bother to borrow $5,000?"
The good ol' Alabama boy replied: "Where else in New York City can I park my car for two weeks for only $23.07 and expect it to be there when I return?"