1) raising another 4k shouldn't be overwhelming for an ordinary person, no?
2) depends on how tight and strong security is for the formula. If it's highly guarded with armed personnels, dogs, cameras, vaults, high tech computer alarm systems, etc, then it's a mission impossible for the ordinary man to do, despite being a loving, caring, dedicated, and highly motivated husband... Putting on a black jump suit, ski mask from walmart, ropes bought from gander mountain, and carrying a trusted kitchen knife, all the while having only watched tom cruise movies for instructional purposes, not to mention the dad body, just won't suffice it. If security is that strong then probably most will be reluctant "idealists" (something a long the lines of "a lock keeps an honest man honest") as well, except for the most ardent, ardent of all (more like just fool hardy), for he will surely be caught, detained, and/or go to the afterlife before the wife does.
3) if security is lax then perhaps most men in the scenario would bring along a cousin or friend as a getaway driver and try stealing it, thus being pragmatists(?).