the furernal need money...
the 15 years old need money...
the elder mom need money...
to survive...
if Ms Cheung dare say she is the wife of the death.. she should take up the role to take care of all above.... rather than doing nothing and wait and see...
above things cannot wait...
and the author of this article is heartless to neglect this immediate need... only talk about academic stuff without any practical help...
and yes, Ms Cheung probably will come forward the quickest when the insurance company issuing her the check...