The only answer I can come up with is "yes". I sure wish this had happened when I was unemployed. Would have really been great. Then I wouldn't have any sort of moral dilemma. I'd just blithely chalk it up to unexpected unemployment.
Tangental thought: How many of those homes that burned in California were foreclosures? How many homeowners who lost their houses are relieved that they don't have to pay for them any longer?