A “vehicle title” must be provided in “exchange for a loan”, and people can lose their “vehicles” if loans are not paid in return.
<u>Explanation</u>:
A conveyance designation must be provided in exchange for an imprest, and people can potentially lose their conveyances if loans are not paid back. If you start missing the monthly payments of your loan i.e., to stop paying the installments of your loan and continue doing that, then you end up losing the vehicle. The vehicle title becomes the failure to repay the loan on time accordance to the terms agreed while building the contract.
Explanation:
translation = Why are religious and moral norms not coercible?
The relationship between religion and morality has long been hotly debated. Does religion make us more moral? Is it necessary for morality? Do moral inclinations emerge independently of religious intuitions? These debates, which nowadays rumble on in scientific journals as well as in public life, have frequently been marred by a series of conceptual confusions and limitations. Many scientific investigations have failed to decompose “religion” and “morality” into theoretically grounded elements; have adopted parochial conceptions of key concepts—in particular, sanitized conceptions of “prosocial” behavior; and have neglected to consider the complex interplay between cognition and culture. We argue that to make progress, the categories “religion” and “morality” must be fractionated into a set of biologically and psychologically cogent traits, revealing the cognitive foundations that shape and constrain relevant cultural variants. We adopt this fractionating strategy, setting out an encompassing evolutionary framework within which to situate and evaluate relevant evidence. Our goals are twofold: to produce a detailed picture of the current state of the field, and to provide a road map for future research on the relationship between religion and morality.

William's crime is larceny.
There are different types of thefts, including robberies, larcenies, and burglaries. Robbery is when you steal someone's belongings using threats, without their consent, but with their knowledge. On the other hand, larceny occurs when you steal someone's belongings without them knowing, which is the case here with William and him stealing 5 saddles furtively.