Per The Goodfella Tapes, it's not unheard of for high ranking mobsters in Philly to extort and threaten college students. Kids! For all those acting high and mighty about the guy not paying the exorbitant vig.
Gallo chiding the debtor harkened me back to the start of that book. IIRC the "Gallo" in that book turned states evidence.
Ominous, perhaps.