On shelves at a Humanetics facility in Huron, Ohio, skulls stare from their eyeless sockets, shiny and silver. Around a corner, a rack is filled with squishy, peach-toned arms, legs, torsos and butts.

Troy Segal is an editor and writer. She has 20+ years of experience covering personal finance, wealth management, and business news. David Kindness is a Certified Public Accountant (CPA) and an expert ...