Well could you include the text?
the tone that the author use is serious yet funny :)))))
I think the answer you are looking for might be B. Actually I don´t see how it could be D. I´m sure it´s B.
In "Metamorphosis" by Franz Kafka Gregory Samsa is transformed into an insect. Nobody would help him until his family listen to his voice and call the doctor and the locksmith for help. Gregor believed that either the doctor or the locksmith would help him which makes him a person of faith or a believer.
Answer:
They encourage irresponsible borrowings
Explanation:
