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Cloobeck made his fortune in real estate and hospitality, and founded Diamond Resorts International, a sprawling time-share and vacation property company.

Ernesto and Adoracion Garcia, who moved from the Philippines a decade ago, joined a dozen other relatives in two time-share apartments at the Hyatt Regency in Kaanapali after being left homeless by the fire.

A so-called commercial lender, Western Alliance mostly lends to businesses, like time-share companies, real-estate developers and hoteliers.

Did she want me to invest in her time-share?

In addition to the bad marriage, I fell victim over the years to get-rich-quick schemes, time-share deals, cosmetic surgery scams, you name it—bad decision after bad decision.