Marcia had been in my office just the week before, in good cheer, asking for help with some medical forms she needed to fill out to get back on welfare. It was the first time I’d seen her in six months. During that period, as she explained with nonchalant resignation, she had helped her boyfriend, Kyle, blow through a $130,000 inheritance—a process selflessly aided by many other user friends and hangers-on. For
