What does the narrator allude to at the end of this sentence from Mark Twain's "The £1,000,000 Bank-Note"?

So I loved her all the more, seeing she could be so cheerful when there wasn't anything to be cheerful about; for I might soon need that kind of wife, you know, the way things looked.

the possibility of Adams having to leave the country to escape his creditors
the possibility of requiring a wife who could match Adams’s social standards
the possibility of Adams’s failure and having a lot of debt to repay
the possibility of Adams taking up permanent residence in London

Question

What does the narrator allude to at the end of this sentence from Mark Twain's "The £1,000,000 Bank-Note"?

So I loved her all the more, seeing she could be so cheerful when there wasn't anything to be cheerful about; for I might soon need that kind of wife, you know, the way things looked. 

the possibility of Adams having to leave the country to escape his creditors
the possibility of requiring a wife who could match Adams’s social standards
the possibility of Adams’s failure and having a lot of debt to repay
the possibility of Adams taking up permanent residence in London