How is it privileged? Its responsible. Also, its a requirement for a lot of mortgages; so that your mortgage is paid back encase anything goes wrong. So yes lots of people have it, they just don’t go around like hi my life is insured for X amount!
You need to check your privilege in terms of assuming the Grandfather was able to afford life insurance or a pre-paid funeral plan.
Was it it irresponsible? Or was he dependent on benefits, a low earner, and unable to afford various insurances. People in the UK have to use foodbanks - insurance isn’t going to be a priority.
Lucille has said her Grandfather didn’t have a penny to his name. Based on her videos of him he seems to have been very unwell / incapacitated for several years prior to his death.
You might want to check your privilege in terms of discussing owner-occupation and having a mortgage. Grandpa clearly lived in a care home, Lucille works in retail and rents an ex-council flat, and her parents live in what looks like social / council housing. It’s unlikely anyone who doesn’t own property would need life insurance.
Long story short - unlikely any parent would want to burden their children with funeral costs. However perhaps consider individual circumstances and be a little less judgemental.