The primary cause of the depletion of the Atlantic cod fishery was overfishing.
Too many people were fishing in the same spot for such a long time, that the cod in these areas became depleted - they couldn't repopulate as fast as the fisherman could fish them.
The answer is to use credit when you need to not when you want to.
Basically, a dry city, town, or county in the united states is where it is forbidden to sell alcohol.