What threat is implicit in "give me money"? I walk by panhandlers every day who say the same thing and I guarentee there is no threat.
The statute I posted is the statute concerning Bank Robbery:
http://definitions.uslegal.com/b/bank-robbery/
It is specific to bank robberies. Its entire purprose is to define what is bank robbery and the penalties for committing the crime of bank robbery. Bank Robbery is not the same as home robbery or grocery store robbery. It is a different statute altogether.
If we were talking about basic robbery, sure, he and you would be correct. But since we have been talking about bank robbery the entire time, neither of you are correct.
If the threat of force was required, the statute covering bank robbery would say it was required. For example, it lists extortion as an example. "I will post these pictures of you having sex with a dog onto the Internet if you do not give me all the money in the till" has no threat of violence in it at all. Lots of extortion and blackmail, though.
It also specifically cites "Whoever enters or attempts to enter any bank, credit union, or any savings and loan association, or any building used in whole or in part as a bank, credit union, or as a savings and loan association, with intent to commit in such bank, credit union, or in such savings and loan association, or building, or part thereof, so used, any felony affecting such bank or such savings and loan association and in violation of any statute of the United States,
or any larceny--"