Okay, so based on what I am reading. The bikes I tried were properly sized.
The place that was selling the Phat Cycles Phixie, actually also offered to cut down the seat for free if I wanted. But I'm guessing now that it probably isn't necessary and I should just learn how to ride the damn thing properly.
Unfortunately, none of the places I checked out had the Trek Earl (at the very least not in my size).
What are quick release parts?