If you take the average interpretation of “police can’t …” to mean “it’s illegal for the police to …”, then yes, the average guy is right in a boring (and tautological) way. I don’t think that’s an unreasonable way for the average person to interpret the [average] line. The meme hopes to get you thinking about the last line.
Now this money example is particularly hard to argue since if you have the interpretation that the dollar will collapse, or if you think you have to store this money, then, all resolutions suck.
If a genie were to say to me, “Anytime you need money, you can reach in your pocket and pull out a bill. Would you like it to always be $1 or always be $100?”, I think I would agree with the enlightened guy here, even though I know the boring answer is right.