He learned what he was good at… And what he enjoyed.

Kevin is a shop lifter after he panics with the tooth brush. Since he learned never to trust cops, he assumes he’d get thrown in jail like the hardened criminal he is… And then there’s the cop who’s trying to break into his house. Yeah, can’t blame him for not making that call.

My understanding is that the most basic of funerals and associated trappings is in excess of $10k (and that was prior to the current inflationary economic situation). Final healthcare expenses are likely also a few thousand dollars - and yes, the family likely has to pay it. So the amount of unexpected expenses is probably $25k to begin with… It starts seeming less excessive, to me at least.