Who Would Make a Good Warlord?

[Askold]

People seem to assume that military officers make perfect warlord material but there is an obvious problem there. They hold authority due to their rank in the military. Any authority they have is basically because of that rank, if the military collapses how many soldiers will continue blindly following them if they decide to become warlords? Certainly some might want to stick together simply because it offers better chances of survival but they might just as well decide to leave and try to get back to their families or perhaps find other units are not being led by a "warlord."

Gangs, biker gangs and organised criminal organisations on the other hand I see as a perfect breeding ground for warlords and their armies.