I know they said that but it still doesn't make any sense. I don't think the writers researched how much insurance would cover him getting injured and rehabilitated. My dad also works for the government and probably makes less than a DEA agent yet was still able to pay for his. It would have made more sense if they said something along the lines of him not having a lot of money because of Marie's lavish spending habits or whatever.

As for the most recent episode, this is my first time not being surprised by the turn of events. Hank coming to stop him was evident and them teaming up is the only way for them to take down Walt without incriminating themselves, but now with that plan foiled it will be interesting how things progress.