>The first things that the company stops paying for are ... health insurance, taxes and unemployment insurance (you may not care, but this is important to you after you get laid off).

My health insurance actually stopped a few months ago. I discovered it while I was in the dentist.

> Paychecks are delayed, and a short time later, paychecks are issued on-time, but bounce when you try to deposit them.

This is exactly what happened.

> You might be asked to pay for things on your credit card that are actually company expenses

I first felt very weird when my boss was unable to provide a company credit card for me to test our own credit card processor. He asked me to use mine.

What you said in the last few paragraphs is definitely a wake up call for me. I am very surprised this is actually what's happening to me at the moment.

Thanks a lot for your insight!