The stock market cash led many people to withdraw their deposits/take out loans from the banks. And because people could not pay the banks back for this, it ultimately lead to banks not having enough money to function.
Generally speaking, "d.Language barriers" were not a problem faced by multi-ethnic countries in Africa after independence, since relative to some of the more serious problems, like genocidal violence, this was not an issue.
Health care, social security, increase in minimum wage, inflation, education,
