My own answer is because a market failure has occurred and the market has not provided them
Well, i'm writing it in english words (Hindi contents), i hope you'll get understand if you're an Indian:
Pradhanmantri Modi jee ne 8 november ko ye ghoshna ki, ki aaj raat se 500 or 1000 rupee ke note band h/o jaenge. U/sse din se kala dhan rakhne walo ke h/osh udd gaye. Woh apne jama kiye gaye paiso ko thikana lagane ke liye dimaag lagane lage. Ganga na/di me 1000 rupee ke noto ke phatte tukde paaye gaye. Aaykar vibhaag ne apne karamchariyo ko chaukana kar diya. Sarkar ne ek pan card par 2.5 lakh rupee ki anumati di hai, agar koi isse par karega, toh woh pakda jaega. Sarkar ne doshi ke liye kayi niyam bhi banaye hai. Halanki in sabhi action se aam janta ko darne ki jaroorat nahi hai. Jo log kala dhan nahi rakhte, unki sukarksha ke liye, sarkar aaye din kayi kadam uttha rahi hai.
Ye kai saalo baad kisi sarkar dwara liya jaane wala anokha kadam hai, jisse hamare desh ko fayda pahunchne wala hai. Notebandi se, kai aatankwadi gang bhi hathiyaar less h/o gaye hai,unke bhi h/osh udd gaye hai, kaam ch/opat h/o gaye hai. Iss action se aam logo ko kai dikkato ka saamna uttana padh sakta hai, par hame isme sehyog dena chahiye. Agar sarkar ka kadam kamyaab nikla, toh hum iss badh rahi kala dhan ki samasya ko jaddo se hatta payenge.
Dhanyavaad.
(Hey there! There may be some mistakes as i wrote it in English words but Hindi language so, i hope you understand,let me know, in case of doubt.)
Good Luck! Hope this helps!
Not sure but black are bad so i would say b or d
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