It was September 1986, and Annabel Hill, 66, was facing an auction where she would lose the farm that had been in her family for five generations. Hill’s husband, Lenard, had committed suicide eight months earlier, 20 minutes before a scheduled auction, in a last-ditch attempt to save his property with life insurance money. The life insurance money wasn’t enough, covering only $175,000 of debts than ran in excess of $300,000, from two years of a drought that Hill said had ruined their livelihood. Even when several hundred acres of the 1,300-acre Waynesboro, Georgia, farm were sold, the now-widowed Annabel...