The Loyalists were the people who remained loyal to the British Crown rather than were in favour of independence.
The Loyalist were on the average older and partially also richer: they were better established and therefore a change would be a risk for them. This was their reason: they were afraid of change and of loosing their position.
Hello!!!
The answer to your question is B. Financial issues.
Hope I helped!!! ;)
it's A. appointed by the governor