I think you didn't talk with enough ghouls in Necropolis, for screen I was thinking about one with dialog with final npc Wally.
Ya, that's the problem...... I can't get him to talk to me. And to first all the next question, yes, I've talked to all the ghouls in Watershed. One said, talk to Wally.
Talked to the glowing ghoul by the water pump. He told me where Wally was.
Litterally- there's no one left to talk to. I even tried THAT fir shits and giggles. And having a second character tagged to me (he was standing just inside the door). Tried money in hand, in inventory.....
NOTHING!