Borrowers could not repay their loans
Your welcome
James Fenimore Cooper (1789-1851) was a prolific American writer who spent most of his life in Cooperstown, New York, near a lake surrounded by the Iroquois of the Six Nations. Cooper crafted a unique form of literature writing historical romances about frontier and indian life. He joined the U.S. Navy after being expelled from Yale after a prank in which he blew up a student's door. He wrote historical novels known as The Leatherstocking Tales.
I believe the answer you're looking for is VETO.
A Veto is a constitutional right to reject a decision.
-Seth
I belive it was the car im not to sure or it could be the steam boat.