Always expect the unexpected.  Navigating through life is tough.  Illness, financial downturns, wars, fires can turn one's life into a nightmare.  We all live through these seemingly hopeless events but guess what, the old saying that "when the going gets tough, the tough get going" is true.  When one door closes, another opens up.  These folks are suffering now but I'm sure they'll bounce back up like a daruma doll.