Ram Vaswani speaks about that 'Golf Game'.

[Zele]

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No-one seems to have discussed that the reason Ram hasn't paid the money is that he can't afford to.

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This makes what he is doing so much worse. There is some shame in incurring a gambling debt you don't have the means to pay, but reneging (based on dubious cheating accusations) rather than negotiating payment is just about the most dishonorable thing a person can do.