Life in our times can be dangerous.

So many people struggle to make ends meet. Providing for the modern family is expensive and getting more costly each year.

Something has to give.

Michael Wright works hard to bring home a paycheck. His daughter is sick with a terminal illness. The only way to save her life is to pay for an expensive, experimental surgery. But his rainy day fund is empty. The credit cards are maxed out. And so is the home equity line. His only remaining option is to take out yet another loan.

A new loan with a steep cost. Beyond interest rates.

A loan with an addendum of death.

Michael's story is a cautionary tale. And it applies to all of us.