Lt. Col is the typical end rank of a 20 year career.
You should meet some military physicians.
They are made officers (we used to call them "direct input officers", dunno if they still do) and given inflated ranks for two reasons: to pay them sufficiently, but also to get them within the military accountability structure.
It's the accountability I wonder about.
As I understand it, officers in the Army Reserve are subject to the Uniform Code of Military Justice (UCMJ), and it does not matter if the behavior happened while off duty or not in uniform.
This means they can be demoted, fined or imprisoned for things such as "conduct unbecoming an officer", and it does not matter if the behavior happened while off duty or not in uniform.
The offense of “conduct unbecoming an officer and a gentleman” is based on the idea that officers are expected to possess certain moral attributes that make them fit to lead. For example, an officer who is dishonest, unfair in his treatment of others, indecent, indecorous, lawless, unjust, or cruel should not be leading our nation’s sons and daughters.
examples:
knowingly making a false official statement;
dishonorable failure to pay a debt; cheating on an exam;
opening and reading a letter of another without authority;
using insulting or defamatory language to another officer in that officer’s presence or about that officer to other military persons;
being drunk and disorderly in a public place;
public association with known prostitutes;
committing or attempting to commit a crime involving moral turpitude;
and failing without good cause to support the officer’s family.