Answer:
The correct choice is B) Saving money for a rainy day seems to be difficult because most think catastrophes will never affect them.
This choice is correct because it uses appropriate punctuation and structure to convey the intended meaning. The sentence is a cause-and-effect statement, with the cause ("most think catastrophes will never affect them") leading to the effect ("saving money for a rainy day seems to be difficult").
By using a comma, the sentence connects the cause and effect in a clear and cohesive manner. The comma indicates that the reason for finding it difficult to save money is the belief that catastrophes will not impact them. It shows that these two ideas are connected and provides a smooth flow of information.
The correct choice maintains clarity and coherence, making it the best option among the given choices.