Weird Credit Union Commercial apparently played for laughs which never arrive

So at the beginning of this ad, Future Daddy is trying to put together a crib for a baby which has not quite arrived yet.  He's interrupted by Very Pregnant Future Mommy, who pulls that obnoxiously cutesy "we" bit when she tells Future Daddy "we're early."  Not going to get into that at all except to say-- no, "we" are not.

And here's where the ad goes completely off the rails.  Instead of immediately getting Future Mommy to the hospital, Future Daddy stops off at a store to clean it out of diapers, talcum powder and whatever the heck else is considered Very Important Stuff for new babies.  Future Mommy is sitting in the parking lot, in the car, beeping the horn- maybe to remind Future Daddy that she's still waiting to be taken to the hospital to have their baby.  I really hope that among the thoughts flying through her head is one that resembles "Oh my god I married a guy who thinks that we need to bring diapers and talcum powder and formula to the hospital with us, what the hell did I get myself into here?"

Everything works out ok- Future Daddy uses his Credit Union Debit Card to buy the stuff really fast and they get to the hospital on time (I assume, I mean, we don't see anyone giving birth in a parking lot) and in the final scene we see Mommy and Daddy and new Baby who (for the moment) has no idea what an incredibly stupid human being Daddy is.  He'll have plenty of time to find out, assuming Daddy doesn't accidentally kill him before he gets the chance.