Conspiracy theories are as a result of lack of information. The biggest spinners of conspiracy theories are government officials and the religious buggers - the rest are small timers in the conspiracy theories industry.
If Ndii's Wezesha spin holds - it seems a market reaction to the predatory Tala, Branch, KCB na Mpesa, Mshwari, Fuliza and all these mobile apps.
Why would Muhoho want to dilute the Mshwari/ Fuliza stranglehold on this shylock loans by inviting other banks?
This as far as it looks seems like a Matiang'i windfall and given the heat from Kinoti seems he has ensured the loot goes around even to Musalias and Kalonzo - they must be quite cheap in this weather.
Ruto snub- could have been his baby or he is intent on declaring war on the disorganized Uhuru and his boys - or the 'fake' money being recovered was his and is being used to pay the boys to run around.