Uhh there's a big difference here that you're missing.
He wanted to make a purchase, most likely off silk road. It was Wednesday night. If he ordered from domestic vendor it's likely it would arrive in time for the weekend. If he had borrowed 5$ from a friend, the banks would have to be open. Then he'd have to go deposit into bitinstant (do they accept amounts that low?) then get the coin, wouldn't happen until Thursday 10-11am. Then place order, might not get shipped til Friday, won't arrive until next week.
Not saying anything of his creditworthiness here, but the idea itself does have merit.
When buying stuff on silkroad, if you're .5 btc short on a decent sized order *most* vendors will give you a gift code for the amount so you can place your order.