Moth/Tim is as bad as Raymor/Sally and we can't believe anything he says either. He seems to lie to misdirect or gain sympathy for Raynor/Sally.
I don't think we can believe she took out credit cards in his name, without him knowing (if it even happened at all).
From the Times article:
Hemmings recalled Tim sobbing and claiming that his wife had fled to the Isle of Skye because she was so upset.I
n fact, it seems Walker had travelled to London to see Stan, a close relative of Tim’s who would come to play a pivotal role in The Salt Path.
“He came into work one day and said his wife had lost her job as a bookkeeper at a hotel in Abersoch and he was a bit worried,” Hemmings said.
Coincidentally, the bookkeeper at the surveying and estate agency run by her husband, Martin, in Pwllheli had recently retired. Sally Walker was given a part-time job
When Tim arrived two days later, she says, he explained with disbelief that his wife had taken out four credit cards in his name without his knowledge.
Stan agreed to find the couple a good lawyer and to provide them a loan “to avoid her being prosecuted for stealing from her employer”, Jane recalled.
Also his own nephew has already called both of them pathological liars.