More than half of Nevada households are locked in “perpetual financial insecurity,” as the state remains near the bottom nationally for residents’ financial health. Nevada has some of the highest rates of bankruptcy filings, underemployment, delinquent mortgages, uninsured residents and student-loan defaults, according to the nonprofit Corporation for Enterprise Development. The state also has some of the lowest rates of high school graduation and college degrees, and early childhood education enrollment. The state also has low consumer-credit scores and low small-business ownership.