I am basing that on the evidence from Aruba, not from what RF might have said. There are several photos, video, witness reports that suggest that RG might have been abusing at least alcohol during her short stay there. Which I suppose can be seen as something that people like to do when they unwind on vacation. But they might like to do it to unwind on the weekends too, which can lead to injury.
According to GG, that's what happened in Aruba, she met her fate after drinking and taking a sleeping pill during the day and then decided to go snorkling in a secluded area and couldn't make it back when the seas turned rough. And if not for his odd behaviour, past history and that strange insurance policy, he might just have been believed about that. He may still get away with whatever his part may have been.
People who choose to overindulge in any substance are really at the mercy of the people around them whom they've trusted to watch out for them. It doesn't always work out well.
MOO