Just because homeless men had the card doesn’t mean they stole it or didn’t. Perhaps someone wanted something to trade the dboy, knowing the risks of CC fraud and tossed the bag, homeless guys happened upon it and decided on a whim to try the card. Maybe after shock and excitement wore off, or they thought it through or a buddy pointed out their dilemma, they said bump it.

Maybe some random finds the discarded ticket and takes it to the guy, asks for a cut, which they may or not get, maybe the victim doesn’t get any money either and the money goes back in the pot.