I saw someone mention this on another thread and tried it for myself and it worked.
First, empty your pockets of all your items and put all your bells in the ATM. Put your wet suit on and go swimming for 5 minutes. When you come back and walk by one of your townies they will make the alarmed sound/face and should suggeset a PWP.
I'm not sure if it is guaranteed to work every time or not because I only tried it once, but it did work that one time, so I guess it's worth a try.
If that's not what you were asking about then.. just ignore me.