But your competitor will lower their prices when they get a refill, so you may end up having to lower your prices before you get your own refill.
The big oil company uses futures and options to manage risk.
All aspects of that industry have slowly reconsolidated, so the market forces that push prices down are generally weak.
There are exceptions (e.g. near airport rental car returns, or in places where drivers aren't paying for their own gas — there used to be a Shell near San Mateo City Hall that always got on the front page of newspapers)
The situation with the banks is slightly different.
The odds that the product, money, will cost more for them in the future does not line up with the recent history of bailouts, regulation changes, etc.
During Katrina, for example, it was a safe bet for the gas station owners that the next batch of gasoline could cost significantly more. A reasonable assumption due to the multiple wars in the middle east combined with a bad hurricane season shutting down gulf coast refineries.
In other words, the Federal Reserve did not run a discount window to provide cheap oil to gas stations. Even the strategic petroleum reserve, if tapped, would only benefit the refineries.
At any rate, one could argue that in both situations the entities involved made the safest and most profitable decision available to them.
You own a gas station and you want to fill up your tanks so you call the distributor and pay $1 / gallon. You then sell that for $1.10 / gallon making a 10% profit.
Now prices of crude doubles and you have 1000 gallons left to sell. It’s going to cost you $2 / gal to refill so you immediately raise your price to prevent a loss and cover the next fill.
I don’t know how accurate that is to the real situation gas stations face but I’d never thought of it in terms of selling higher to afford the next bulk delivery.