"It's been nearly two weeks," John replies, resisting the urge to shrug again, like a sullen teenager. "If anyone had actually seen me take it, I imagine they'd have made a move by now. And here I am, kneecaps intact and conspicuously not dissolved in a barrel of acid, so."

Granted, all of this falls much more under the general umbrella of 'conjecture' than 'certainty,' but that's all he can really offer. The larger threat might be that the money was intended as part of some sort of sting operation, and that they'll be caught by the police if they actually attempt to deposit it. But he's been holding onto the envelope for long enough that he thinks he would have picked up on something like that.