The person who made that image is right on. I don't know who the crud wants to reach under the roll to get paper, or unwrap it backwards over the roll, but rational people just don't put TP on the stick with it hangin' on the inside.
Jimbo put the toilet paper on backwards. "Jimbo, you are an idiot. I had to stinkin' reach under the roll. Let me recommend a good psychotherapist."