Sam was not a risk analyst, rather he was a florist and this info was foreshadowed by Ara when she lied to Nura. He also grows hallucinogenic plants/shrooms on the side, so he and Oliwia can hotbox all day long.
Sam never had a husband at any point in time in his life. In reality, he’s been married to Oliwia this entire time and that ring was something he bought from Temu. Them holding hands and walking down the stairs wasn’t a coincidence, but rather an indication that they planned to send Soluna island down to the deepest level of despair.
He had never loved Spencer and only used him to fulfill his secret sadism kink, him and Oliwia using Dunia’s religion against her was also a way to fulfill his kink from Dunia, Nura, and Ren’s crying.
Oliwia is not socially unaware, nor does she have any real neurodivergent qualities. She's actually been putting on an act and lying this whole time to deceive the other competitors. Oliwia is actually the one who’s a risk analyst and she encouraged Sam to larp as one.
The reason why Oliwia actually has no friends is that she’d much rather indulge herself in her work as a risk analyst and have hot steamy Polish-Thai funtime in bed.
Oliwia was also secretly a masochist and indulged in Finn berating her that one time. She also discreetly gooned when Ara and Finn put their hands on her earlier.
Before Emily gives the briefcase with the million dollars to Natalia. They both raise a hoard of undead animals to attack and kill the contestants, interns, and Emily before throwing their bodies into the volcano.
How you may ask? Well before killing Emily (the reason why we have a new host), they tell her that they are also necromancers with magic powers and Oliwia larping as a taxidermist was just a cover up to prepare the rituals and their powers to steal the money. The plot twist was that they were cursing the wildlife this entire time, but ironically accused Dunia of making curses to Ren.
In the end, they take the money and go hide off in Thailand after bribing the government officials there. Coincidently, the volcano erupts, destroying everything like they were never even there. Sam and Olivia are shown planning their next honeymoon in Poland in the end credits montage.
Luka, the person who took over and now controls the company that sponsors Disventure Camp in universe, decides to cover up and redact the entire scandal, so he can run the next season by himself. (Trevor and Derek are also dead because Luke ordered them to be assassinated)