Obviously this is Eastenders so I get they wanted to make an exit storyline for Karen so they had Keanu convince Phil and Sharon to give his mum time to hand the money over but she ran off with it instead but if someone has 50k of my money ( I wish I had that much money lying around) I’m waiting outside their front door until they hand it over no way am I going to go home and give them time to hand it over. If they claim they’ve hidden it somewhere then I would make them take me to the money and I would call the police.
They could play it off I guess as Keanu has leverage against Phil (Lolas mum and Phil and telling Kat)