My question on Jolina is - where did she get the money to start her endeavor at the shop and did she not imply she lost out on a windfall that would have rescued it just recently. Maybe I read something wrong and it has been a while since I went through the first meetings with JoJo.
We have no idea if Theresa is irrelevant to Elaine. Theresa's past seems to have her own rough spot but, there is nothing indicating in any way that she is or is not involved. Was Donald a problem for her at one point? She is definitely a question mark.
We only have a few episodes left so there isn't enough time to build up an impact with Theresa, she's too left field to be brought into the central dynamic.
Bella is heavily involved with Elaine, the MC and Jolina.
Theresa is only involved with the MC. Even dogboy has been taken out of the picture with regards to the girls. Revealing Theresa as the god digger now would be such an anti climax i'll go out on a limb and say it would spoil the story completely.
Nobody else in the game gives a shit about her so it would be easy to turn on her and make sure she gets nothing. Her entire story ark has been about her repressed sexuality and getting her to open her life up to the MC. She hasn't ingrained herself in the plot with schemes nor involved in any of the major plot lines now her son has been dealt with.
In my personal opinion she is a red herring. Her coming out as the gold digger would just be a big "oh, is that it?" moment.
Same with Angel. She doesn't have a big enough dynamic to make that reveal worth the build.
Wanda is already rich.
Lily is already rich but even if not, the girls would be far too young.
Zarah is also too anti climatic but also too new to the plot to be considered.
Revealing Monica as the gold digger would completely ruin her character. She was the MC's mothers best friend. Her being the third woman would kill any chance of her having any sort of future with the MC because there is no coming back from that. Plus I genuinely believe she hated his dad completely for what he did to her friend.
Bella is the only one that could be revealed and not completely kill her character beyond redemption.
Jolina said she'd saved for years to start her business.