It seems it only appears when needed.
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Todd can go to his bank and ask for another card. He could also get his wages from George in cash.
The Todd I remember from the past was less needy and more assertive than he seems to be now. He went on the run from the police and he was working with Pat Phelan, and he was a lot more scary than Theo. I just find it hard to believe he would allow himself to get into his current situation.