Fair enough. In that case, he could easily have been ripping off the kid's mom via bank hacking/transfer, stolen credit cards, pawned jewelry, etc. Doing so would just slow down the story though. Suffice it to say that Tony was doing that part of the story in analog mode and despite his background he could make it work. Maybe a bit of a stretch for him, but I think we'd rather watch him go all A-team on a box of parts from the local Radio Shack, than rooting through a single mom's drawers for hidden cash.