A few years back my SIL was hit by a dually pickup while out walking her dog. She has never been the same, and is completely unable to care for herself, speak coherently, or not need a diaper. She is 44.
To get her the help and health care she needs would mean essentially selling everything they own and living in poverty level housing. My BIL has an excellent job with excellent insurance, but permanent care is something not covered by most insurance. I don't know all the details, I just know my BIL has a plan to work a few years, find a really small house to set up for them, then dump everything to get her the care she needs, at a sacrifice to their normal livelihood. We toyed with moving back to be more help, but the state they live in is one of 3 people are fleeing from and I couldn't bring myself to move back to it, nor could my wife, plus all of our kids are here. I've suggested they move here.
At least Steve has stuff to sell. Not everyone does. We had a spaghetti feed fundraiser to help the wife of my best friend when he died of cancer 5 years ago. She has since remarried, which most likely kept her afloat.