Why does everything have to come back to the poverty? If she was burgled (sp), that's terrible but why can't she just say she didn't have insurance? If you have been poor, but can now, admittedly, afford luxuries why would insurance be the luxury that you can't afford? I'll admit here and now, I don't have insurance, I tried to get it years ago but they asked me what kind of roof I have and I never got round to contacting the landlord (I RENT) but I would fully accept that it is my stupidity if anything happens, not some reason, dubious at best, that is based in the long lost past.