After the World War 2, the economy of the country was growing because of the Industrial Revolution. Borrowers were confident that they could pay their debts and banks allowed big loans. During the 1970's, it was the time of the Great Depression. There were a lot of people who needed money but hundreds of banks closed and it was difficult to find a stable and good paying job that would allow the banks to approve big loans.
Verbal and nonverbal cues can give us as human beings many different subtle cues as to what's going on in social situations. For example, certain nonverbal cues such as yawning, stretching, dreary eyes, and a hunched over body position can cue a person in rather quickly that this person is probably overtired. Furrowed eyebrows or extended staring at a specific object, or situation can help us infer that someone is perplexed. A hurried gesture, with sweeping movements of the hand towards the body implies that they want you to come towards them quickly.
Verbal cues are more obvious as thy state points more clearly, but both are efctive tools in language that we often overlook.