Final answer:
Negi's family is accurately described as having little money to pay for shelter, supported by the text's comparison of their home to a lard can used for hauling water.
Step-by-step explanation:
Based on the information provided, the statement that accurately describes Negi's family is that they have little money to pay for shelter. The evidence from the text supporting this answer is found in the quote, "Our home was a giant version of the lard cans used to haul water from the public fountain." This suggests that Negi's family lives in very modest conditions that are compared to everyday objects used for basic tasks, such as hauling water, which indicates a lack of financial resources to afford better shelter.