Along with its devastating results on human health, the COVID-19 pandemic has taken a catastrophic toll on the U.S. financial state. About 12 million Us citizens are unemployed, countless numbers of organizations have shut down — a lot of forever — and starvation and homelessness are on the rise. The financial fallout is disproportionately affecting small-cash flow grown ups and families and minority communities, greatly impacting these vulnerable customers of our society the most.