I see your point Scarlet.
Clearly very sad circumstances and my heart goes out to his family, but you do often see cases like this, where someone has had an accident, or something else has occurred, and then family are looking for others to foot the bill.
We all have to make choices about insurances - car, life, mortgage protection, travel, contents, etc.,etc. No-one likes paying them, put if you are old enough to travel abroad or live alone then you are old enough to take responsibility to take out insurances.
Maybe there ought to be a clearer information leaflet at travel agents and a page on on-line flight booking pages, reminding people what they will need to pay out if something goes wrong.