Friendship Dharma and Money

Gaurav met Chhitarpal for the first time while working in a bank together. Over a period of time, their friendship transformed into brotherhood, despite the total contrast in their personality and interests. Gaurav could often related Chhitarpal to Yellow Pages, depending on him for almost every other damn thing, whether personal or professional. 

But when one unfortunate incident shook Gaurav's life, Chhitarpal was not there to bail him out. 

Why was Chhitarpal absent when he needed him most?