I agree with you, but the fact still remains. Honestly it reminds me of the American Dad episode where Stan Smith (CIA Agent) refused help to his own family, saying that everyone should help themselves (as his daughter is choking at dinner time), he refuses to offer anyone help. Finally he gets addicted to crack and ends up in Mexico where he learns (thanks to seeing how others in the village helped a young child to rob him of his shoes, and in turn make the child a better thief) that sometimes help makes people better at what it is they are trying to do. In this tornado situation, I am sure most people have insurance but why not loan out insurance claims to the people in need and have the insurance companies pay the government back to avoid homeless families fighting the insurance companies instead of getting on with their lives.