Your thinking is that TD should exercise the options for you, and take the responsibility and slippage of moving 2500 shares after hours for you?

If they do this on SPY, should they do this on Joe Shit the Ragman, Inc, which has options available but only trades 150k shares a day, and 13 after hours?

Isn't it clear that it is much easier for them to just sell ITM options positions at the market when you don't have the $ to exercise?

In my Joe Shit hypothetical, isn't it clear that the ask after market is likely lower than the close, and you'd be taking a bath because too much supply hitting too few bids?