In January 2022, Randi Schofield was a 34-year-old single mother who, not long before, left her full-time job of eight years as a personal bailiff to a local judge. She pulled $30,000 from her retirement savings and was planning to give herself all of 2022 to expand the small catering business she had always dreamed about. This would be the year she bet on herself. Then, that month, she received the news that medics were pulling her father out of his car. The collision splintered the bone in his left thigh down to his knee; three days later, a metal rod held the broken pieces together. Until his leg recovered from the surgery, he would not be able to walk without assistance. In hindsight, there were warning signs that her father’s health could upend Schofield’s life. But he was also youthful and spirited, and it was easy to believe that everything was fine, that he was fine and that if she were to take care of him some day, it would be occasional and in a distant future. She didn’...