Thanks..
Armadllo; Yes, he had always been the least active of the guppies, so I think that might have been it.
Capekate: The gourami wasn't chasing him regularly, I just noticed it when he was lying down. He never bothers any livebearers or tetras (they were in there before him) except if they get in his way. The guppy definitely did have finrot, the gourami might just have nipped him while he was weak.
I really need some meds now, I don't want any of my other fish to go the same way

I just wish they weren't so facking expensive. One good-sized bottle of any aquarium additive is like a month's worth of money.