The bank wants to give you an incentive to pay back the loan. If they did not hold your assets as collateral, you could simply fail to pay back the loan and really not lose anything other than your credit score. Many borrowers already have tarnished credit scores, so that is rarely enough incentive to base a loan on.
I would put this into your own words considering I copied and pasted it. Other than that I hope this helps!
The simple answer here is because of slavery.
I looked it up and it says it is ‘a capita yearly tax historically levied on non-Muslim subjects, called the dhimma, permanently residing in Muslim lands governed by Islamic law’
So the answer is C
The answer would be D) Life, Liberty and the pursuit of Happiness