Now about your home that burned down. You said you had no insurance.OMG, I hadn't heard that one. LOL
Perhaps Havoc is a computer program designed to test or pass the Turing Test, and is only now beginning to crash.
Or maybe he's just a serial liar.
Sort of sounds like the old HeeHaw show's song about "Oh woe is me, if I didn't have bad luck I wouldn't have any luck at all".
He's a serial liar, is my guess. :-)