The widespread financial insecurity of Americans is primarily because
the incomes of Americans are low.
most Americans save a very high proportion of their income.
government programs are unavailable to help people when they are disabled.
many Americans save little and borrow to spend more than they earn.

Question

The widespread financial insecurity of Americans is primarily because
 the incomes of Americans are low.   
 most Americans save a very high proportion of their income.   
 government programs are unavailable to help people when they are disabled.   
 many Americans save little and borrow to spend more than they earn.

anonymous · Answer

The saving rate of Americans is low and many borrow in order to spend more than they earn. so your answer is D.