You have a good outlook, which as you know, is really important. That lawsuit sucks though, that would freak me out a bit. What sucks the most is that my natural inclination would be to reach out to the family bringing suit and say, "hey... I'm a person, just trying to make a living by genuinely helping people. I had very little, to nothing, to do with whatever grievance you have, yet I still have to pay an attorney to protect me. Do you think that's right or fair?" --but any attorney will advise to NOT DO THAT. The litigiousness of our society is a bummer, to say the least. Good luck with it all to you, your wife and your friends. Hard times, but you are not unaccustomed to hard times. You'll be fine. You are one of those people who I don't worry about. Your compass works well.
The nicey-nicey portion of the program happened at the time, the next day, the next week, the next month and on through six months of extended care provided by the midwife. At the time, the clients held no one harmless. At the time, everyone was pleased with the level of care they received. At the time, no one was feeling litigious. At the time, no one had spent two years caring for a kid with cerebral palsy. Really, this is between the family and the hospital and our participation is collateral damage. We won't even know what that entails for months - my wife's involvement is likely to be terminated as soon as the plaintiffs process their discovery, which hasn't even begun. Of course, these are all likelihoods, not certainties. Possibilities include losing the house and declaring bankruptcy. But we won't know anything until war begins in earnest. Know what's shitty? You can lose your home, lose all your assets, have your credit rating destroyed and still have student loans.