What's in Your Wallet?

I wonder about the logic of Capitol One when they have a black man - a cop no less - asking that in a commercial.

 

First, there are the standard stereotypes of blacks being muggers. Then, each day, it seems we hear more and more about cops gone bad.  Do we need a black cop in a commercial mouthing a shakedown line?

 

I know, I know. Capitol One isn't portraying a mugging or a police shakedown.  Just seems like a bad choice of imagery to make their point.