My mother-in-law cut off my hair while I slept—the same night the United States Army promoted me to the most important command of my career. When I woke and saw the damage, my husband barely reacted.

Moments later, Patricia hurried out onto the porch behind him, waving her own phone violently in the air.

I knew exactly what her screen showed: notifications that her supplemental TRICARE health insurance had been terminated, her name had been removed from the property title under an emergency military administrative hold, and the power company had issued a final disconnection notice due to the cancellation of the automatic bank draft I had controlled.