Part of my theory is the car was never unlocked, and so JW could not have left the money inside it (not in a red bag, not in an envelope, not in a red bag in an envelope...feels like a Dr. Seuss rhyme.) Since the car is central to my theory of the crime, I think the Mosler key is key, as DW would have had to have SS come home if AS, PS and VF did not have the key or know where to get it. I think stealing that Mosler was the purpose of the home invasion - I know it's crazy! It would be impossible to keep and use it after the crime, but we have people around this crime with very tenuous grips on reality - several people. For whatever reason, the perp(s) were unable to drive the car away within a few minutes of SS' arrival - either he didn't have the key with him, the perp(s) at the house couldn't drive the high end car, something... So DW ad-libbed it, which involved torture and extortion. Or SS tried to get cash to make DW et al go away. The torture/murders/fire as afterthought only work if JW was not involved or not in the house where the S family would know he was involved. It's possible they started to figure it out due to all the calls and texts back and forth using their phones, but not necessary.
There is a reason this particular family was targeted. I doubt it was from observing the neighborhood and picking this house because it looked most vulnerable. I believe someone from their life: AIW, St. Croix, the Eastern Shore, distant family or household employee had to be involved at some point or all the way through.
What do detectives look for? Motive, opportunity and means? Who had these and where does the "evidence" released so far lead? Sometimes a crime is just random and the formulae don't apply. But if, other than the sheer brutality and cruelty, we treat this like any other crime, what theories can we entertain that don't involve contorting the facts as we know them? As much as I like to be right, I'm more interested in finding out what really happened than supporting my "theory".