Thank you for making that point. I had forgotten to add that.I don't remember the exact amount, but yes, a certain amount of it has been paid already.
Also, it's worth remembering that their attorneys are probably willing to work with them on a payment plan of some form. It's a civil trial, not a criminal one; no matter the result, the defendants will still be capable of earning money afterward. Most lawyers don't turn down cases just because the potential client doesn't literally have the entire costs available to them immediately.
Regarding the insurance part, I could see that being part of the plan. The defendants have shown a crippling ignorance or disdain for the court this entire time. Thinking their insurance would cover it is a mistake they would have made.
Basically Ron and Monica are the... Entitled types who believe the world should cater to them so the idea that an insurance company will tell them to fuck off never crossed their mind.