How can we talk to my husband's parents about their financial future?
Background: My husband and I are I'm the process of buying a house. A credit/debt check revealed an account neither if us recognized with an owed balance of nearly $5,000. The bank looked into it, and determined my husband was an authorized user on a line of credit his parents had opened last year to help my husband with a purchase he had the cash for but not the credit limit. He paid them back right away and then the line was supposed to be reserved for emergencies only. When we saw the purchases it is very clear it is not bring used for that at all. My in-laws have other lines of credit they use and my mother-in-law had a shopping addiction that forced them to drain their children's college funds. She tends to revert back to this in times if stress and right now she is very stressed - my father-in-law has Parkinson's, requires lots of care, and has recently gone on medical leave from his job. My MIL works full time in sales, but she claims they are broke. They rent now, after selling their house two years ago.
My husband had tried several times to discuss their debt and long term financial planning (elder care, funeral expenses, etc.) but they shut down. My husband and brother-in-law have started a small account to help out, but I don't think that is enough.
How can we help? Or get them to talk?