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This humorous quote by comedian Rita Rudner seems to be making an ironic observation about bank staffing levels. By noting there are usually two tellers except when it’s very busy and there’s only one, Rudner is comically pointing out the paradox that banks tend to have fewer tellers available precisely when customer demand is highest.
The quote plays on the expectation that financial institutions would staff more heavily during peak periods compared to normal times. Overall, Rudner appears to be using dry wit and understatement to jokingly comment on how bank resources sometimes seem mismatched to customer needs, especially during intervals of heavy traffic.