@Longtimenewsee I agree 63 is nothing. MIL had leukaemia and was told it was just bad luck but my Mum was mea culpa. She started smoking before the cancer link, everyone in her family and on screen stars all smoked, it was "cool". We begged her to quit for decades and as much as I love her to bits I am still angry with her that she put myself, my siblings and my Dad through the whole chemo process which saw her lose her hair, robbed her of all her vibrancy and I held her hand as she died. It is torture watching someone you love that much go through that. It was also fast, she was symptom free, it was picked up on a routine mammogram as secondary, primary as lung and she was dead within 3 months. She was fit and active just addicted to smoking.
It is why I feel this anger toward Dh's sister who smokes "socially" like she is 14. FFS. She is early 40s with a boyfriend who smokes and drinks and gambles I hate smelling stale cigarette smoke on her coat when she comes to my house, even the children have asked if we can hang it up outside because it stinks. Anyway, rant over. 
My Mum is still talked about a lot, my poor Dad and her were married for almost 44 years and he misses her dreadfully. We have lovely videos of her talking and laughing with all the grandchildren, she was full of life, a grafter, generous and helped everyone she could. Same with MIL she died 7 years ago also a great woman.
Re the bills thing, some pay into a kitty a set amount when they get their loans and then the bills are paid from that. There were other students who had flatmates leave without settling up leaving the others to pay extra if they paid on receipt of the bill. These days I think with Monzo and other instant payments to each other this would hopefully be rarer.