^ Because the insurance didn't pay. There's no paper trail to back that up. They paid cash.
I can't help but wonder what Skyler's thought process is during all this. Has she really been corrupted so much by Walt that she's okay with framing Hank and Marie this way? As much as she'd clearly like to hold onto the money and keep Walt (and herself) out of prison, it seems like an awfully vicious way to treat her own family.
Or is she just so much in a state of shock that she's not thinking clearly anymore and is simply going along with whatever Walt says now?
I'm not a Skyler-hater by any means, and think the actress is doing a terrific job, but I'm just having a really hard time reading what the character is thinking right now.
Looks to me like she's stuck between a rock and a hard place, though a lot of commentary from Talking Bad
suggests that she's a lot more insidious than she looks on the surface.