Many years ago, there had been what was called as the Wars of Religion which happened because of the intolerance within and among the religions in the state. Different religions where in competition with each other for the adherents.
The introduction of Calvinism had profound implications when it comes to religious and political matters. Calvinism started seeping over the borders of Switzerland.
Puritans were forced to leave England and Europe because they were being persecuted for their religious beliefs
Source: https://owlcation.com/humanities/Why-Did-the-Puritans-Really-Leave-England-For-The-New-World
So you don't get into tremendous debt, and trash your credit. And so you know your limit of spending from past experiences
I beleive the answer is A, but i'm not completely sure.