Eloethan
Yes I agree, if you’re living hand to mouth, the last thing you want to worry a about is insurance, but the request on our village FB page was for a business premises, absolutely horrible, I know that, we’ve been there. But I’m pretty sure there would have been insurance.
We also get requests for donations of all kinds, food, lifts to places, small jobs done, I think some people just think that’s perfectly okay, whereas I would rather go without.
In a village we lived in about twenty years ago, there was a barter system, exchanging skills which seemed to work quite well, we didn’t sign up because we have no particular skills, but it was quite popular.