No doubt insane:
'Instead, Ramsey got a cashier's check from Wells Fargo for $302,466 and immediately cashed it at an Amscot store. Amscot charged him more than $14,000 in fees.'
From reading the whole article he seems quite competent. He knew he had to spend this money as fast as he could before the state found out - why he was so secretive about it and knew who to confide in to help him get the money.