Your #7. I thought about that, too. The only thing I can think of is that at that time, the Schindlers may have encouraged and cooperated with Michael so that they could get money to rehabilitate and care for Terry. Things didn't fall out until after that.
Any suspicions that arose came much later, just as the remembering of Terri's so-called wishes, both of which are hearsay at this point.
That trial may have gone differently if Schindlers had raised the questions that are now flying around.
Maybe the Schindlers were misled as to Michael's intentions as to what he was going to do with the money after he got it. We can't really know that, nor do I know if the money was awarded on the basis of maintenance care or included the intention of attempts at rehabilitation and therapy.
It wouldn't have matter what the Schindlers thought or did, except to the extent that they would have kept quiet about the fact that Terri wanted to divorce Michael because he ws mean. And, I suppose that would have been an important piece of information for the defendants.
But the lawyers for the Defendants had an independent reason to find another way to explain Terri's condition that placed the blame on someone other than the Defendants. If, as people are now saying, there was evidence of physical battering, the defendants' experts should have picked that up without any hints from the Schindlers.
The story now just doesn't makes sense.