Is there a picture for this so I can answer?
Answer:
Why did our founding fathers decide to replace the Articles of Confederation?
The Articles created a loose confederation of sovereign states and a weak central government, leaving most of the power with the state governments. The need for a stronger Federal government soon became apparent and eventually led to the Constitutional Convention in 1787.
Explanation:
If you allow credit, most people would not payback money. Forgetting credit is the similar to loan, many people spent their loaned money unwisely.