Andy Duplay was trying to save his family. The Ohio technical consultant’s in-laws — Bob and Jean, both 75 — were suffering mental and physical breakdowns after a death in the family, and they needed help. The family decided to move Jean into a nursing home and Bob into assisted living, but the costs quickly became overwhelming. “Bills were in the $10,000-per-month range, and Jean was becoming a zombie in the nursing home,” Duplay wrote in a blog post detailing the harrowing experience. “At the rate money was being spent, they would be broke within a year.” Finally, Duplay and his wife worked out a solution: They bought a bigger…