A discussion on "Go Fund Me" for things like this probably deserves it's own thread. I don't know who setup the fund in this instance, but if it was someone doing it to support Wayne without his involvement, then I see nothing wrong with it. If it was Wayne, then I agree with the OP. It's tragic and I would be devastated if I lost everything in a fire. But, I have insurance on my house and property and would also have it on my business, given the same circumstances. Does insurance cover 100%? Rarely, but why should I expect someone to donate the rest to cover the gap? And I get that California has great weather and would be a beautiful place to live, but it burns. Every. Single. Year. If you choose to live someplace with over-inflated real estate prices that burns every year, prepare for the inevitable outcome.
A "Go Fund Me" story... A person I know recently had a motorcycle accident. A few scrapes and bruises, but no real injuries. The motorcycle, on the other hand, needed extensive work. The accident was his fault and he only had liability coverage on the bike. He started a "Go Fund Me" page to get donations to cover the cost of the down payment for a new motorcycle because he just couldn't afford it. He has a job and a car and an apartment. He is not destitute. But, he' a "motorcycle guy" and "couldn't stand the thought of not being able to ride". Suck it up... I want things, too. You know what I do? I work and save and get them when I can afford it and it's a fiscally-responsible thing to do.
There are legitimate reasons for a "Go Fund Me" page. Trying to cover the insurance gaps because you chose to live in paradise and it bit you on the ass, or to get a new bike because you just can't stand the thought of going to work on 4 wheels, are not legitimate reasons.
Just my .02...