This is my attempt with short fiction story using freewrite prompt.
Amanda while 4 kids found herself into the debt. She noticed that all the kids eventually fly out of nest and what we are left with is the debt and the issues of the past. And turns out after the death of the husband and the inlaws turning down her right in the ancestral properites she had no means to even fight the case.
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She looked at her past 10 years accounts and the way she spent the money. She noticed that she paid more for stuff due to lack of insurance. And this made her worry more about her finance. She is now struggling in her 60s and she has no way to go for the money and debt payments.
If you have no insurance, you end up paying more for things.