A parent reads their kid’s college essay draft at 11:30pm and realizes it sounds like every other essay. The deadline is Sunday. Panic turns into a credit card swipe fast.

A small medical clinic is busy every day, but the owner still feels broke. Then they open their aging report and realize they have tens of thousands sitting in “denied” and “unpaid” claims.

It is Thursday night, and someone is in Target buying cardboard boxes like it is a last-minute survival mission. They spend $120, still do not have enough, and half of them collapse before packing is done.