The bank’s failure was explained in the last shot. The old man told Juan that the person who provided the bank’s failure information was asking him for money, that is, someone told Juan in advance that the bank was going to fail, so he wrote a real check for this bank, but Unable to cash out! The round one is quite adequate, I don't know why so many people don't understand it.
Of course the ring is real. It was Juan who lied to Marco at the beginning and said that the ring was the deceived old lady who asked him to bring it to his mother. In fact, the ring was originally from Juan and he was confident that he would trick it back from Marco. Finally, I gave it to my wife. This paragraph is also very delicate.
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