His Tips
Cohen made a lot of his money from tips. The people he served left their small change, including quarters. He definitely could have gone to the bank every day, but it was unnecessary from his point of view. Naulty just wanted to go out for a meal with his friends.
An Online Grievance
When Cohen had collected enough coinage for the meal and tip, he invited his friends out. Their story went viral because of how he paid. Actually, Naulty stumbled onto the online post whenever the waitress complained, showing the quarters he paid with.