breach, babe: proximate cause edition
nm’s lack of supervision + goblin = the chain that wrecked my life (during his employment, explicitly).
y’all this is like…totally all your fault.
✨🐍
thesis:
they didn’t just “fail to supervise.”
they set the risk in motion and kept it running:
assigning a conflicted rep (goblin),
tolerating off-channel contact and $$$ flows, exploiting me
as payor/underwriter, and maintaining proximity to an
impaired zero-production trainee because optics > duty.
everything that followed—assaults, a totaled car, drained accounts—
wasn’t a random storm; it was the foreseeable fallout of their pipeline.
who owed what (duty, not vibes) 🤡🍿💍🐍✨
✳ nm (firm + managers): hire/supervise with reasonable care;
block conflicts; stop off-channel; protect client data;
escalate red flags;
don’t use a spouse-payor as the financial backstop
while routing control to the unstable employee.
✳ goblin (assigned/acting rep): no conflicted dual roles;
no personal $$ entanglement with the trainee;
no off-channel onboarding;
no exploitation of my payor status while hiding material facts.
✳ to me (the spouse-payor + onboarding client): keep
communications professional, on-channel, and non-predatory;
disclose conflicts; don’t siphon access/control through an impaired insider.
breach (receipts i actually have) ✨🐀✨
✳ off-channel: instagram dms about onboarding/IRA/coverage
while she had my file.
✳ $$ entanglement: payments of large amounts between
goblin and him while she’s in my pipeline.
✳ reassignment optics: “goblin assigned to sam”
while she’s also in his personal orbit.
(and hosting him in her apartment)
✳ zero-production but full-presence: he’s in-office
despite no sales/licensing; supervision still mandates proximity
(late 2023) knowing he’s spiraling.
✳ billing vs. truth: i’m billed/solicited as payor while
ownership/beneficiary control is routed away from me.
✳ spoliation-adjacent: key off-channel comms vanish
post-hold. pattern screams concealment, not compliance.
the causation ribbon (how they set it in motion) 🤡💥👀👤
(proximate cause ≠ only cause; it’s the direct, foreseeable chain they created.)
they place him inside a conflicted triangle
senior proximity + goblin’s access + my wallet.
the risk set: impaired employee + personal-financial
entanglement + off-channel control of a spouse-payor.they keep him there (late 2023 → early 2024)
zero production, still “in the office,” still near goblin,
still burning cash i’m fronting.
foreseeable pressure + escalation at home.they route decisions through the conflict
goblin has my files & access while $$ flows to him,
and i’m induced to fund “coverage” during a DV spiral.
foreseeable result: financial depletion.they normalize the spiral
red flags (drug-adjacent behavior, volatility, off-channel)
are not deterrents; they’re conditions of retention.
foreseeable result: violence + crisis events
(including the car totaled window) as the home front collapses
under the same stress they stoked.they keep billing me while control drifts
my payments continue, ownership/control migrate,
and i’m stranded with bills + no benefit. foreseeable result:
debt, missed payments, academic/work disruption.
translation: nm + goblin didn’t just fail to prevent harm;
they created the field of play where harm was
the ordinary outcome: an impaired insider with private access
to the payor-spouse and a conflicted rep
managing the file off the books.
why this is proximate cause (not just “sad story”)
✳ sufficiently direct: their decisions put us in the intersection—
personal $$ flows + off-channel control + office proximity—
so the collision (dv escalation, car wreck, money drain)
was the predictable crash, not a cosmic accident.
✳ foreseeable reactions: when you (a) keep an impaired,
non-producing recruit “in house,” (b) let a conflicted rep handle
his spouse’s finances off-channel, and (c) make the spouse payor
while stripping control, the ordinary human reaction is escalation:
fights, financial strain, dangerous driving, and acute safety risk.
✳ no superseding break: his bad acts are the very risks
their breaches created. you don’t get to light the fuse
and call the explosion “independent.”
damages (the ledger this chain produced) ❄️💊🤡✨
economic
premiums/fees i paid while control/benefit drifted.
medical/therapy costs tied to assaults.
car replacement/repair, towing, lost work time.
emergency childcare, travel, and court costs.
exam/education disruptions → lost opportunities.
non-economic
fear, sleep loss, PTSD spikes, reputational fallout.
consequential
time diverted to evidence preservation/litigation.
credit hits from the drain + chaos window.
punitive hook
off-channel + spoliation + conflict concealment =
conscience-shocking enough to justify punitive interest.
y’all—smells like a rat ✨🐀✨
