The correct answer is A: Overspending. Because it was caused by The First World War. This resulted in múltiple factors such as unempmyment and indebtedness on the part of most countries of the world but which originated in the United States.
The fear of people losing their savings due to the massive bankruptcy of more than nine thousand banks. Many other customers lost their savings generating chaos worldwide because at that time did not have the savings guarantees that exist today, and the money did not have insurance in case of any eventuality.
This effect was not only harmful to banks but also to other types of businesses that needed loans to finance their businesses, resulting in a decrease when consuming products and purchasing services and the most relevant: an Overspending.