OK, this might be a shock to some of you.
You're not obligated, legally or morally, to risk your life, limb, or property to save another's, unless you voluntarily accept that obligation.
No, but you are obligated to save someone, if there is no risk involved (e.g. you just have to switch a trigger to turn a machine/electricity off).
1. If they had paid their $75, they wouldn't have lost their house. If they needed advice, they should have requested it - even the state could help them to pay their voluntary $75, rather than just demanding it.
Lost is lost, it doesn't matter why. This wealth is gone from your community now.
2. Stealing stuff may be easier for the thief, but it removes the choice of the victim. It may be more efficient for me to come and take your car, rather than earning + buying one from a dealer too. I assume you are against such actions?
Stealing stuff doesn't create or destroy wealth (ok sometimes it does destroy wealth, because you have to break in), it only changes the one who has it.
There is an important difference between creation/loss of work and the distribution of it.