Back in 2015 my mom passed away. She had been battling a liver disease for about 15 years, she was always able to stay active up until like the week she died they put her in abed and just had her for rest. She had a lot of debt built up from various things. An unpaid ticket lost her, her car. Rent was always hard for her to keep up on and we had several evictions. Often our power would go unpaid for a few weeks. She finally got a job and the job happened to have a life insurance plan for her. My dad was much more stable than my mom and they’d been divorced for years. She’d used mine and my older sisters socials to open new utility accounts and she hurt our credit before we were even adults. I think a lot about how she was cremated despite her always letting us know and hearing how bad my sister felt but we cremated because she was told by my mom that week that that would be the plan. I had debt collectors calling for a few weekend after she passed trying to find her. It just makes a lot of sense to me that she was worried she might’ve been more harmful than helpful and that if she “ died” we could benefit from the lump sums all of us kids would get as a result of all that.