This picture gives be a sense of calm before the storm . It has that sense of serenity that can only come before a major change. Like in a story where everything is going right for the main character then something devastating happens. With the darkness in the photo coming in and covering the light.
I think that the answer would be A Cause and effect
Explanation: Because it tells you people could not afford to spend money and then they use the word "Therefore" which is a transition word also meaning so or because. Then it also gives a reason to the cause as well.