SOME HARDSHIPS INCLUDING DISEASES, FIRES, AND LACK OF SURVIVAL SKILLS

SINCE NO BANKS WERE MADE THE SETTLERS HAD NOWHERE TO STORE $$$

THEY DIDN'T USE $$$ OFTEN SO THEY BARTERED

BARTER IS SOMEONE TRADING GOODS AND SERVICES

CREDIT IS GETTING SOMETHING NOW AND PAYING FOR IT LATER

ONCE YOUR IN DEBT, YOU OWE SOMONE A GOOD OR A SERVICE

FARMERS GREW TOBACCO AS A CASH CROP TO USE FOR BARTER

THIS WAS HARD BECAUSE THERE WERE NO BANKS AND THEY DIDN'T HAVE $

CURRENCY, CREDIT, DEBT, BARTER, EXCHANGE, AND NO BANKS ALL SUPPORT