What fuelled the great explorations of Spain and Portugal weren't because they liked doing it, it was because silk and spices were super expensive to be traded along the Silk Road, past Arab states that imposed hefty taxes, and had to be shipped all the way across the Mediterranean Sea, where ports made fortunes by levying even more on the goods.
The answer is European nationalism
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Greek city-states likely developed because of the physical geography of the Mediterranean region. The landscape features rocky, mountainous land and many islands. These physical barriers caused population centers to be relatively isolated from each other. The sea was often the easiest way to move from place to place.
The possible answer is that When you take a loan from a bank or someone you know, they have trust that you will pay it back, in time.
