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This explains a great deal. As has been discussed many times before, it’s extremely likely Ralph has been playing games with his money in regards to his banking and Mexican residency. It’s quite possible he has no ability to directly access banking or hard cash easily without using electronic means. If his phone was lost / stolen / traded away, he may have fucked himself out of financial services while being half a country away from Merida.
Gunty may have had a drunken mishap and stranded himself in Tijuana and had to bus his way home broke and desperate.