Her husband has some heart ailment, and she can't afford it.
One of the sons got married, took a big loan for his lavish wedding, and is still unemployed. He's so useless that he can't help his family make a ration or PM healthcare card as well. He's not even an alcoholic.
My housemaid lives with her husband & two adult sons. None of the three do any work & her husband drinks away a lot of money.
This template is far too common in lowest strata. Some middle or upper class man can't even fathom sitting idle at home while their wife works all day.