For me, it's hard to understand how John fell into financial hard times. I guess he was really underpaid by the Kingston organization, yet found amazing success and enjoyment in being part of the greatest American folk group. He had to be conflicted over his admiration of Dave Guard and his loyalty to Nick and Bob. His brotherly love for Nick Reynolds comes through in everything you read, right up to the last hours of his life. "Daydream Believer" brought in regular royalty checks, but couldn't pay for health insurance at one time. Those who love John's music and vocal style and impassioned by it. For me, his voice was not as melodic as he aged, and his attempts to break out into modern rock hit a speed bump with "Gold", which I think was his best post Trio effort. I am told (private resource) John disdained the later reincarnations of the Trio, though he respected the value of the keeping the music in front of fans. Perhaps the 1980's reunion concert changed his mind. The proposed "Stewart, Reynolds, & Guard" group had to be a huge balm for all three men. How I'd love to hear a recording of the three men trying to get something down on tape. I can only speculate that John and Nick had some influence in healing the rift between Bob and Dave. Again, more personal stuff, Bob has not cared to share.
Thank you for your post. This is the kind of aggregate history gathered from research. It may not hit the nail squarely, but it puts us in the area.