Well, I have no problem feeling bad for someone who is going through bancruptcy no matter how much money they have made in their life. Listen, hard times can fall on anyone at any time. But one thing is for sure and I feel that this fact should be made clear: The reason that Toni's insuranmce company did not pay out on her claim for her heart illness while in Vegas is because when she first applied for the insurance coverage, she had to fill out an application. On that application are various health questions that she had to honestly answer. The one that asks "Have you been treated for any prior illnesses in the last 5 years (some ask for 10 yrs) you must answer it HONESTLY. Toni has been diagnosed and treated for heart problems in the past - she answered "no" to that question - knowingly withholding pertinent information about a prior illness. That automatically makes the policy null and void. Sorry to say, she tried to pull a fast one on the insurance company. That's why they refused to pay her any disability or medical claims! It's call cheating, folks. I can't feel bad for her in that respect.