Capital One Credit Card Lab Commercials

What is Capital One trying to say about the people who use their credit card lab in their commercials? There's the ship captain whose craft is being attacked by a giant sea monster. There's the castaway who uses his computer not to arrange a rescue, but create a Capital One credit card.

Is Capital One trying to say that if you're a person who literally cannot make a good decision to save their life and gets preoccupied with shiny objects that they should consider opening a line of credit with Capital One. Are they trying to say that no matter who you are, you aren't too stupid or too irresponsible to own a Capital One credit card? I'd really like to know what the message is that the commercials are intended to communicate.