Here's the thing, I can't imagine he'd have had to go to jail, if at all. Probably, the fraud was a first offence. They already owned a small condo in the area. Why not downsize into that? After the penalties were decided, he could have just filled bankruptcy for everything. In Florida, they won't take your house. His wife surely could have gotten a decent paying job. She was educated, trained and experienced. He could have gotten a job. Even at a home depot? I'm sure they had some assets, medical stuff at the clinics, furniture, jewelry, cars? Yes, their lives would have changed, but they'd all be alive. Am I missing something here?