Jefferson expressed a dislike and distrust for banks and bankers, and opposed borrowing believing it created long-term debt, monopolies, invited dangerous speculation, as opposed to productive labor, all to Republicanism.
Giving reason why another idea could work/be right, but ultimately telling why your argument is right and why the reader should believe you.
The major downfall of the Articles of Confederation was simply weakness. The federal government, under the Articles, was too weak to enforce their laws and therefore had no power. The Continental Congress had borrowed money to fight the Revolutionary War and could not repay their debts.