This might fit with some questions I've been waiting to see answered. I heard the Schindler's attorney, Pat, on Glenn Beck yesterday. She confirmed that Terri had experimental brain surgery (as opposed to external stimulus, such as electro shock as some have speculated). She said it was done in San Francisco, I think in 1991, but definitely before the malpractice trial. She said Terri was in San Francisco for 1 month, then in the rehabilitation facility in FL for 3 months, which was the last time she had any rehab.
This brain surgery raises a lot of questions. Did the Schindlers approve of Terri having brain surgery? Are the probes that were implanted in Terri's brain still there, or was there a second surgery to remove them? Might more damage have been done to Terri as a result of this experimental brain surgery? (Surely there'd be extensive work-ups of Terri's brain functioning and status pre and post-operatively. I'd imagine that would have to have been in the medical evidence presented at the malpractice trial. Since it would've been used in discovery, wouldn't that make it public domain?)
Finally, as relates to your question about the Schindler's financial situation in 1991: I don't believe any health insurance company would have paid for experimental brain surgery! It had to have been incredibly expensive, and I doubt Michael paid for it. Is it possible the Schindlers paid for Terri's brain surgery? If so, that could sure account for them being bankrupt in 1991.