If you switch from role to role and get the black screen that says "You have recently played a different role and must wait before switching, Please return to lobby" You must return to lobby and wait the 7 minutes. If you attempt to circumnavigate this screen by suicide or any other means it will glitch and wipe your bank account. I've seen an increased number of compensation reports recently for this. Just return to lobby and wait. The screen was designed to prevent meta-gaming.
That being said there is a grace period immediately after a server restart if you load into the incorrect role you do have time to switch without penalty.
Since I don't have anything else to add, here is a picture of an adorable puppy.