Wishing a house on someone like Chris is not always in their best interests. The mortgage is only a part of the expense. If anything goes wrong with upkeep or maintenance [electrical, plumbing, heating/cooling systems, roofing, etc] that'd be on Chris to handle. Right now he's ok because a few years ago Barb wrangled after-fire repairs. But things entropy.
Chris has problems being an adult homeowner. Plus he's lazy. Look at the state of the yard, the trash piles
etc. He may be able to pay the monthly utilities right now but his income will take a hit without Barb, and if his Internet income ever dwindled or dried up, he'd be screwed.
Best case scenario for someone like Chris would be a government-rent-subsidized apartment for people with a government-recognized disability (his autism). Low rent, no maintenance, 24/7 monitor staff, free Internet, onboard resident service coordinator, food bank in-house visits, free rides to shops and doctors etc, tight safety and security crime-free control, fire prevention maintenance, and community tenant activities. If the tugboat was ever lost or reduced, rent would be adjusted accordingly, even down to zero. All he'd have to do is fill out an application. Rocky, as a retired special ed teacher, would have connections and know people to help with that.