Insert rows in protected sheet with locked formulas

[doncheche]

I'm trying to set up a spreadsheet for distribution to grant recipients so that they can report on their quarterly budget, but they can't break the formulas. I have the formulas in columns F and G locked (right now they are in table format, as that was a suggestion I received, but I'd rather keep them in standard format and use VBA to work around this issue). That said, I have zero experience with VBA.

When I insert a new row, I can't get the formulas to populate. I think what I need to do in VBA is:
unprotect the sheet
insert row
copy formula
protect the sheet

I'm not sure how to write the code, nor how to trigger the event (a button would be useful?). Attaching a sample sheet that's protected, but no pass.