Inscects may contain vemon that may be harmfull to children and adults which can cause the to have allergic reaction or seizures or even death in some cases
The description that would improve the setting in the passage above best is "Eating dinner one chilly evening, my master and I...". Because it will set the mood of the retelling of his master's story.
We can discuss it from many different points. However, since in this question we have to look at this only from 3 aspects, let's look at the cases of education, health and social security. In all cases, if people don't have an equal access to these basic services, they will face with problems. If you cannot have a proper education, you cannot get a better job and it will create financial instability in the future. If you don't have an access to the healthy services in case of food, sanitation and water, you will easily have health problems. If you don't have a social security, burglars will steal your possessions easily.
Other people, however, may have a different point of view to offer.