The world under SOCOM is pretty big, and I've only experienced some of it, second hand via direct family as well as family friends. I may be painting with an overly broad brush, but I'm telling it how I experienced it.

The bankruptcy and credit problem may not be as relevant anymore due to technology, but it was absolutely relevant in the time my father was active. The technology we rely on to maintain our finances (automatic payments, mail, pervasive internet and phone communications) didn't exist, and if it did, it wasn't anywhere near the combat outposts where they would be deployed to for several months to train local militias. It is really hard to pay a bill if you can't be sent a bill, call to ask about a balance, send a check via mail, or have your bank take care of it for you.

I do know at least one former Ranger who was pretty successful in a civilian job (logistics at amazon), but I've known far more that couldn't hack anything out of the military (apart from security contractors that is). Maybe my sample is small and not representative, but that's just the way I've seen it. Sorry if I offended you by the generalization, it wasn't my intent at all.