> For the complete documentation index, see [llms.txt](https://fullframeinitiative.gitbook.io/wellbeing-blueprint/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://fullframeinitiative.gitbook.io/wellbeing-blueprint/principle-4/4.-build-financial-stability./4.1-backstop-loss..md).

# 4.1	Backstop loss.

COVID-19 disability and deaths are concentrated in communities and families with little wealth or savings, who are also disproportionately people of color, particularly people who are Black or Native American. COVID-19’s economic impact in these households is particularly acute because of the structures that have prevented wealth accumulation and reduced access to medical care.

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