Well it says in the making of the movie on the dvd that where Paul lives compared to where Marcy lives is basically hours away in terms of walking distance, Paul loses all of his money and is stranded there, cannot afford the 1.50 for the subway at all either, nobody has the money to help him out, and a friend of mine from New York told me that it would take at least three hours or longer to walk from the south end of Manhattan to a point uptown where Paul lived, and Paul had been working all day and was already tired and probably couldnt take the long walk back uptown that night, and Paul still had to go to work the next day and would never wake up on time after a long three hour long walk back to his apartment so he would be late for work and get fired or be forced to miss a day at work which he wasnt allowed to do.
So him not walking makes sense, not being able to find an ATM doesnt but he didnt know the neighborhood at all either.
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