Fluffymouse, I totally agree about the continued changing of the goalposts.
Just a theory that I'll put out there: Is it possible that Lee phoned Richard to inform him that they had the baby unexpectedly whilst on holiday and in the drama of the moment got carried away and embellished the situation? Is it possible that he told Richard that as they were now stranded in NYC and they weren't able to come back to work and were in dire need of cash, and then told a dramatic fib that he wasn't sure that the insurance was able to pay? Richard - with his entrepreneurial mind, sees, and seizes an opportunity to drum up media interest and attention, and raise money. The whole situation then snowballs and it is revealed that the insurance cover was never in doubt but by this point, the story has run away with itself and Lee's original fib for dramatic purposes has now created a situation where a lot of money has been unexpectedly been made. Once the money was in their bank account, they felt unable to part with it.
As I said, it's just a theory