Hi, Rinnie,
I was not advocating that anyone change how they view donating to their church.
Latter-day Saints are familiar with both the law of tithing and the law of the fast, which is another covenant law that brings blessings as promised by Isaiah in Isaiah 58:6-14–a beautiful set of promises for those who keep the law of the fast which includes donating to help the poor and widows and orphans, as taught throughout the Bible as part of God’s law for taking care of the poor.
So the situation you described sounds to me like it would be the kind of situation where help is administered for a widow if she didn’t have sufficient retirement benefits in our modern world, through what the Latter-day Saints refer to as the “fast offering fund” and the “cannery program” that assists in helping the poor and needy and some humanitarian aid.
As far as the impact of the law of tithing on a family where the father had died, my wife was a teenager in that exact situation where her father had died from cancer when she was fifteen, and he didn’t have life insurance. Her mom continued to pay tithing and trust in the Lord’s blessings to their family, plus lived very conservatively and budget-wise. Their home was paid for, so that helped, and she obtained a good job at the university after the youngest child was in high school; they made ends meet, and now she actually helps some of the family financially from time to time having saved well and lived frugally and been blessed from living the law of tithing. We learn from her careful budgeting skill and her generous spirit of giving.
P.S. I didn’t understand your other post about repentance. It sounds like you may not have understood my comment, at all. So I think I’ll pass trying to answer that one.