1. I did not have any money because I
had lost my wallet.
2. I do not have any money because I
lost my wallet.
3. I do not have any money because I
lost my wallet.
Are all fine?
What is the difference in the meaning between the second and the third sentences?
If you lose your wallet, I think it is fine to use the present perfect tense.
Natural sentence is the simple present tense which is the third one.
Your thoughts are welcome.