As I read through the comments I was composing in my head almost the identical response as yours. Thanks for saving me the time. My spidey sense started to tingle around "I'll spare you the details", then I was curious as to the other side of the story when I read "I must have stepped on a few toes". But once I got to the father dying and the bad car accident that caused all savings to be depleted by medical bills I suddenly felt like I was reading some phishing email scam, so I pretty much stopped there. I didn't get to anything regarding depression and I'm happy I didn't.

I agree, it's good to have experiences out there so that people can evaluate - it's just that this really poor execution.