You know what's funny about this whole "James is in the army" thing? The only mention of the army in the entire game was the MC thinking he saw an army guy when he just saw this:
and in his drunken state thought he saw this:
And that's it.
And then when the MC was barricading the door he was like, "Fuck you, army guy! You're not getting the treasure!"
And then the only time we see Bella's husband, he's in a tux (wedding photo) and he looks nothing like the army guy.
So I'm gonna say, the power of suggestion has had a lot of us off thinking he's got something to do with the military when it's never mentioned, ever, in the game.