The installation of Rivermind into Amanda's brain entails neurosurgery. Her head is never shaved, which always occurs during invasive neurosurgery.
In desperate financial straits, not only do Mike and Amanda not sell their large house and downsize, they do not even discuss it.
Mike and Amanda weren't able to afford the monthly subscription fee for Rivermind. Yet they want to have a baby, which would definitely cost more.
Was running ads in the contract they signed? if not, they can sue.
Instead of resorting to doing stupid things on Dum Dummies for money, Mike could have done something more logical, like explain to his supervisor about his wife's situation and ask for an advanced salary to fund the Rivermind subscription, or ask for help from friends or family.