The text presented focuses on the economic crisis of 2008. In this, the author first refers to this event through a general statement "Many people are confused about why our economy went to shambles in 2008", and then explains the causes of the event. Additionally, to do this, the author enumerates the causes, this can be seen in "Second, banks would bundle these toxic loans...".
This means the general organization of this text is to mention an event and then explain the causes of it in detail. This only occurs in the cause and effect organization because this the only one that allows authors to explore the causes and/or effects of one or more events. According to this, the structure is cause and effect.
