O.K. Hard to argue with your logic... but we are left with the question: If I am crazy today and I kidnap a fireman today, why was I different today than I was a week ago, or a month ago, or even a year ago? Was I totally sane a week ago? A month ago?
A journalist can make a few phone calls and may be able to document the financial trouble. The power company might confirm that the power had been turned off for non-payment. The phone company might confirm that phone service was disconnected. Heck! Just call the listed phone number and when you get the disconnect tones, you have something documentable you can put in a news story.
But I'm the journalist and I need to prepare a story to print TODAY or go on the air NOW. How do I document 'crazy'? How do I document 'mentally ill'. The attorneys will probably tell the news writer: If we get sued, it is not that big'a deal to prove to the court that the person's power had indeed been turned off or the phone disconnected. But if the family comes after us, it may get very expensive trying to justify that we can indeed document that the person was crazy on the day he pulled this stunt, the day he died.