Any bank should still exchange old for new

I think you mean "beg your pardon" which comes from early english times,as they would say to the judge, as in begging a pardon so that they will be free and no longer in jail

It could be the feeling of silk on his crotch, or he might be hiding deeper feelings and he might have a hard time expressing himself, so the most secretive way of fulfilling those emotions is by wearing panties.