Not sure where to post but please redirect me to a more appropriate group if need be!

My MIL lives an unhealthy lifestyle. She does not eat a good diet or exercise, smokes about a pack a day, and drinks absolutely no water (claims she’s allergic 🙄). She gets her hydration from pop all day every day and doesn’t think it’s an issue because she’s not overweight (the dumbest logic). She’s able-bodied and fairly young (45 years old) but refuses to work. She makes her living off of dumpster diving and selling her findings (which is illegal where we’re at). Because of it, she has no savings or retirement plan/401k/life insurance. She hasn’t directly said anything, but she basically expects us to take care of everything once she’s no longer able to (either ill, old, or deceased). My husband’s only sibling is an alcoholic so we don’t plan on him helping anytime soon. My husband and I are 21-22 and barely starting our lives. We’re scared that she’ll get ill or pass soon and have to put our stuff on hold to take care of her (I know it sounds selfish). She also doesn’t want to be cremated and demands a burial, even though they’re so much more expensive. How do we talk to her about setting up a savings for herself or getting life insurance? (If she even qualifies). It’s a weird topic to bring up but my husband stresses out so much because of it and she makes no effort to prepare for anything. We don’t expect her to leave us anything, but it would be nice if she had something set up at least for funeral costs.

Edit: of course her passing or becoming ill would be the most heartbreaking, especially for my husband. But the thought of financial burden afterwards at this stage in life is also very worrisome for us.