2. Question: Why is the wife not believed when she says the house or cave filled with smoke and my husband didn’t survive but I miraculously got out but if she says non-Jews or bandits attacked us, my husband was killed, and I was saved she is believed?
Answer: By the smoking house or cave just as she got out miraculously so to her husband might have. But by the bandits, it’s not normal for them to kill women to the extent that we can say just as she was saved maybe he was saved. See Shulchan Aruch Even HaEzer 17:52, 54.