The problem I am having with this case is that I feel somewhat restrained in discussing possible scenarios, due to the fact that Kjac has been such an active participant in the discussion. In most cases that I have followed, there is much more exchange of ideas and theories, as well as behind the scenes research and sleuthing. Although there is only one true set of circumstances, I think it is helpful to explore all possibilities in order to flush out any new ideas or leads.
I think everyone here is in agreement that Kjac is doing everything he can to find his mom. I do not doubt his sincerity for a second. However, it seems to me that two of the three possible scenarios that may have transpired are not being closely considered because he has outright rejected them from the realm of possibilities.
I think we should start from the beginning and look at all the information available, and see how that may support one of the three possible scenarios.
Susan was abducted after arriving at the parking lot, sometime between 7-7:45 approx. No one saw anything happen. Somehow, Susan's wallet was discarded on the street side of the shopping center, close to Starbucks. No one observed how the wallet arrived at that location, but someone found it and turned it in by 8am. The contents of the wallet were in disarray, and the credit cards and money were missing. The surveillance cameras did not record anything of significance (as far as we are aware). There are multiple cameras in the complex from which images could have been obtained. Susan's purse was in her vehicle. Her son has stated that she would never take just her wallet into the store.
In order to fit the facts to the abduction scenario, we would have to come up with a sequence of events that resembles the following:
Susan arrives at Raley's parking lot between 7-7:45. She parks her car in the middle of the lot and before she has fully stepped outside her vehicle and put her purse across her shoulder, someone comes up to her window. Using either a sob story, or possibly brandishing a weapon, they get her to get out of the car. If there was more than one person involved, maybe a female approached Susan with a story about being hurt or in danger or in need of some assistance. The abductor tells Susan to hand over her wallet. Susan complies. They take Susan and her wallet and pull her into a vehicle, and begin to drive away. As they exit the parking lot, they remove her credit cards and cash, and turn right out of the parking lot. As they do so, they toss Susan's wallet out onto the sidewalk, scattering the contents. They never use the credit cards.
I personally do not see the abduction scenario as likely. Too many illogical factors to accept wholesale.
2. Something happened to Susan at home.
3. Susan left on her own.
Regarding the last possibility, Susan lived for many years in Las Vegas. Did she have any close friends or associates there that she may have been keeping in touch with? I am sure the family already checked the phone records to determine if she had been in contact with anyone. I would check the records for the last two years. If she really wanted to keep something secret, she could have bought a throw away phone, pay as you go. They are very inexpensive and would leave no paper trail. Just a thought.