In regard to Howard: The devil's in the details!! Anna was "broke" according to everything we know. Don't forget, the basis of her "Marshall Suit" was that she had filed bankruptcy. But where did all the assets go?...The Texas house, the jewels???
If you're bankrupt...You don't own a big house in Ca with a big mortgage, pay for Stern's Ca residence, TRY to buy a big ole house in the Bahamas, a big ole boat, a big ole 10K diamond. It's called Fraud. She'll never get a dime from the Marshall estate. Howard will sooner or later wind up in jail. His parents may hold the secret. They have been soooo quiet.
I do agree with the rest of your post.