Another main character, on the other hand, tends to make good decisions. Decisions that are responsible financially, good for his family, and on the right side of the law. And yet, things don't turn out well for him either.
If this is a book the purpose of which is to show how quickly things can spiral out of control, then it succeeds. Good decisions or bad, no-one wins here. Too many of us, who manage to have lives that are more or less in control, this is a valuable thing to learn about. But this is an awfully depressing education.