The exposure math
Protective programs are usually purchased for the principal because the principal holds the assets, the signing authority, and the public profile. The targeting logic runs the other way. Coercion does not require access to the person with the keys. It requires access to anyone the key-holder cannot accept harm to. That set includes a spouse, children, and often parents, and each of them carries their own footprint, routines, and habits, almost always with none of the principal's discipline and none of the principal's protection.
The result is a perimeter with one hardened gate and open fence line everywhere else. In the incident patterns this series has covered, the residential and family-adjacent approach is not the exception. It is the emerging norm, precisely because it is the path of least resistance.