Caines spent much of his life stockpiling his paychecks of up to $700 a week to buy a home.

Caines spent much of his life stockpiling his paychecks of up to $700 a week to buy a home. Now, the 72-year-old worries that the Category 5 storms that took his roof also blew him and an entire generation of Virgin Islanders out of the middle class.