Smile for the camera - oops!

Presumably the theory is that John Darwin, the "canoe man" - in collusion one takes it with his wife - faked his own death in order that they could cash in on his life assurance policy, and eventually live the high life in Panama or wherever. If that be the case, then how stupid could you be to allow yourself to be photographed alive and well after you were supposed to be dead? Either things are not as straight-forward as is being suggested, or this must rank as one of the most laughably incompetent attempts at fraud ever conceived.