Answer:
I think alliteration
Explanation:
There is a lot of ms which would make it alliteration.
Answer:
I think that the answer would be A Cause and effect
Explanation: Because it tells you people could not afford to spend money and then they use the word "Therefore" which is a transition word also meaning so or because. Then it also gives a reason to the cause as well.
The banks, where they are coming, but when?