This dream is quite intense and layered with symbolism. Let's break it down:

1. Going to the City Alone: This may reflect a desire for independence or a need to explore new aspects of yourself. The city often symbolizes opportunity and new experiences.
2. Host Bar and Pub: The host bar represents seeking comfort or companionship in times of distress, while the pub connected to your dad signifies a connection to family and past experiences. Your desire to refund the tab suggests a need to resolve past issues or seek closure.
3. The Dodgy Guy: He might symbolize a fear of unexpected danger or negativity in your life. His stylish appearance juxtaposed with his actions can represent how sometimes danger can come in unexpected forms or how appearances can be deceiving.
4. The Theft and Scream: The theft of the phone could symbolize a fear of losing something important to you—perhaps your identity or connection to others. Your scream indicates a strong emotional reaction, suggesting that you feel threatened or vulnerable in some way.
5. The Deep Cut in the Shape of a Star: The Star of David is a powerful symbol often associated with Jewish identity and protection. The act of being cut might represent a painful experience or transformation you are undergoing. The fact that he tells you that you belong to the cherubim and that your life is going to change suggests that this pain may lead to a significant change or transformation in your life, possibly hinting at financial stability or abundance.
6. Seeking Your Dad's Help: This indicates a longing for support and protection from a parental figure, especially during difficult or transformative times.

Overall, your dream reflects themes of vulnerability, transformation, and the quest for security both emotionally and financially. It might be helpful to reflect on areas in your life where you feel threatened or insecure and consider what changes you wish to embrace for a more stable future.