Credit is essentialy a loan given that is paid back with interest. Arguably, credit caused the Great Depression. Many Americans invested in the stock market with credit when they did not have the money, so when a recession in the stock market occurred, many stockholders were in huge debt. Banks that lended money were out of money, and depositors lost money. This caused homes to foreclose, and because of the decrease in consumer purchasing power (people were in debt), companies laid off workers and unemployment rose.
They are called Calvary.
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Laws were needed to justify the need for order in the rising complexity of the civilization so as more laws were written more were enforced and more were needed to justify that enforcement
The were allies in North America to fight the British
