As a generalisation and this applies to most youtubers, when people see they can monetise on YouTube and get paid to show things (Yes I know Carla hasn't) I think they lose touch with who they set out to be when they first started and it becomes an "keep the people happy and earn a buck along the way".
No buddy was not insured due to health/age. I think that the owners of the dog who attacked him did originally offer to pay half but when she went round with the bill was told to get lost.
And to make a connection with your "giving" remark. Some members may recall the time that a gentleman viewer started sending her cash, literally notes in the post. I think she was embarrassed and gave the first lot to charity/food bank but the person kept sending more and saying its for her. Bless her I do think she was very embarrassed buy that and by the fact it was to be opened live, and quite clearly didn't want that happening.
Her bicycle was from her mum and if she's bought it with every good intention of helping her with fitness/weight then I'm glad
As for Hyacinth with her spreadsheets and Patreon, no wonder she won't get a job when she can make money off of sitting around all day saying its too hot.
Lexx, well... an acquired taste I think