If you allow credit, most people would not payback money. Forgetting credit is the similar to loan, many people spent their loaned money unwisely.
Newspaper worked hard to tell both
Just by common sense we can rule out both C and B because neither of those make sense for this case. High population really doesn’t matter. So the most logical answer is D. Mostly Defending Familiar Territory
Because they was a possibility that their family member would not return.
