well, by some folks standards...

If that dead father didnt have his own life insurance / bicycle insurance / toys insurance
then he was failing to take responsibility
.... if he had simply manned up and carried $2.5mil life/bike/toy insurance, his responsibility (to provide for his family) would have been met quite nicely... but folks here want to say failures like that are his fault and his not taking responsibility


Of course, I dont see it that way.
But you guys already knew that.