True. But it would of been a bigger challenge and the chance of success would of been much less. You cant predict everything just prepare. Another prevention could of been a secure gun safe. Its very sad and there are usually signs missed
Suggestions : Have her take the course to learn. The 250 i had was lowered( i am 4'11" short legged) and it was perfect. I started on an 800 intruder it was heavy and i not as fun as the 250.
Your friend can negotiate the balance. Example if he owes $500. And can pay with cash or cc he tell them he will pay $350. When they say no then tell them to set up a payment schedule. You will find they will make an offer or say ok.
A home a block from us exploded a few yrs back. The gas line going in the house to the meter was leaking. All our homes now have new lines and new meters outside.