Crazy-ass trip report

So I took care of some job applications recently and had a little time for some R&R and scheduled a trip down to Mexico. I crossed over into Tijuana and took the taxi to Rosarito and was looking forward to about 10 days in Puerto Vallarta and a week in Cabo San Lucas. Everything was looking good.
I flew to Guadalajara the next day and checked into my tiny little hotel room. I took the bus to Tepic the next morning. In Tepic my bank alerted me that some company called cndys.info was trying to take 49 bucks from my account. I had had some trouble with them before but the bank told me I could decline the charges without cancelling the card. This time their tune changed. They told me fraud was likely and they would have to cancel the card immediately. I asked them to reactivate the card for 10 minutes to run to the nearest ATM and they obliged. I was able to pull out 3000 pesos and started to wonder about my next move.
I went to Azteca Bank in Tepic, which has a Western Union. I explained my situation and they said normally they could give me cash if I sent money to myself but their ATM was broken, and that it would most likely be working the next morning--so I should come back. However the next morning there were different ladies working and they said there would be a problem since I did not have a "clave" (whatever that is) for my Western Union account. I told them I had an account with both Western Union and Bank of America and asked how I was supposed to come up with this elusive "clave." They started saying something about an "envio" and I realized my Spanish was too limited to have this conversation and started feeling queasy.
I went back to my hotel and called my siblings in California via Skype. One was sick, my mom is a little too old to figure out the Western Union online app and the two other siblings were not answering their phones.
Realizing I might be in deep shit, I came to the conclusion it was probably better to get out of Mexico ASAP. I walked to the nearest bus station in Tepic and bought a ticket to Tijuana for 2200 pesos.
The bus left in two hours and I spent the next 31 hours traveling through Mazatlan, Culiacan, Los Mochis, Hermosillo, Caborca, Mexicali and finally reached Tijuana at 11:30 PM. The guy sitting next to me had some similar bad luck with a bank and we had plenty to talk about, making the time go by faster. I crossed the border at San Ysidro in 20 minutes and took the trolley to Amtrak, Santa Fe station in San Diego and realized it was going to be a cold rainy Dark Night of the Soul. There was no way I was going to ask my sister, sick with the flu, to come down at midnight to pick me up, so I walked to American Plaza and fashioned a pillow out of my dirty t shirts and socks and backpack. An attractive young woman approached me and asked if she could sit next to me.
"Sure, no problem."
"It's nice to talk to someone--everyone here seems so cold."
"I'm typing an email to my sister but I can chat with you, nothing else to do."
"I agree."
"Nice to meet you." I said.
"By the way," she said. "Could you rub the back of my head--it helps the voices go away."
"The what????" I asked.
"The voices--the ones that keep telling me to do bad things. It just helps so much."
"I just got a phone call. Stay here, I will be back shortly" I responded, with every intent of finding a new place to sleep. I walked over toward the bay and found a spot under a coffee table across from a sandwich shop and shivered the next 3 hours away.
When I got up after an awfully uncomfortable 3 hours of semi-sleep, and sore legs, I walked to the Santa Fe station, with the faintest sunlight visible now to the East, where they informed that the trains were not running and I would have to take a bus.
"How much?"
"Twenty seven dollars."
"I only have twenty four, can I just go to San Clemente instead of Irvine?"
"Sorry, rules are rules."
"San Juan Capistrano? Oceanside?"
I asked about some other way to get to Orange County, and they said perhaps Greyhound would be appropriate. I asked where the station was and they said it was permanently closed and that I would have to make arrangements via the internet, once again establishing that Greyhound is the crappiest company under Heaven. Discouraged, I walked back to the Amtrak station and talked to the clerk directly (instead of the earlier chat was was done indirectly across a locked door through an intermediate--a security guard.) The clerk told me price was coming up as $11 instead of the expected $27 and I paid the fee and hopped on the bus. I hopped aboard and got to Irvine by 7 AM. My sister picked me up and dropped my off near my mom's estate at Einstein Bros Bagels in Mission Viejo where I had one hell of a pleasant, warm breakfast and was happy just to be alive.
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So here is my question--we have been to the moon and sent spacecraft to the outer edges of the solar system, so why in the world is it so hard for a bloke with a WU account and a Bank account, and proper documentation to get some cash in a foreign country when someone else clearly started the trouble with an illegal attempt at a cash grab? Where was this "clave" supposed to come from? And what the hell is an envio? Is it possible to file for damages from "Cndys.info." They caused me a hell of a lot of grief. They said via email yesterday I was on their "list" and that they offer unlimited streaming (that I never asked for) but I am demanding *specific* services associated with these charges and they are not getting back to me...possibly because they are realizing how much trouble they caused me and that they might be under investigation for fraud...