请问OG-130的D为什么不是答案？

我这么菜鸟吗？

这道题我很不理解原文的意思”因为银行不积极加强安全，所以破产”。 到底安全和破产中间有什么关系啊？

我就是不明白银行为什么破产，觉得这里说的安全不安全，选择不选择，跟破产都没关系啊？？

还是因为我不太懂一些银行的常识？

谁能来点拨一下我啊

我觉得这道题要找assumption的结论是不是这句If depositros wre more selevive , then banks would need to be secure in order to compete for depositors's money.

而这道题

OG131.
Bank depositors in the United States are all financially protected against bank failure because the government insures all individuals' bank deposits. An economist argues that this insurance is partly responsible for the high rate of bank failures, since it removes from depositors any financial incentive to find out whether the bank that holds their money is secure against failure.If depositors were more selective, then banks would need to be secure in order to compete for depositors' money.
 Which of the following, if true, most seriously weakens the economist's argument?
(A) Before the government started to insure depositors against bank failure, there was a lower rate of bank failure than there is now.
(B) When the government did not insure deposits, frequent bank failures occurred as a result of depositors' fears of losing money in bank failures.
(C) Surveys show that a significant proportion of depositors are aware that their deposits are insured by the government.
(D) There is an upper limit on the amount of an individual's deposit that the government will insure, but very few individuals' deposits exceed thislimit.
(E) The security of a bank against failure depends on the percentage of its assets that are loaned out and also on how much risk its loans involve.

要削弱的结论却是An economist argues that this insurance is partly responsible for the high rate of bank failures,

搞不明白，都是economist's argument

这种题 到底应该怎么看削弱哪句或是要找哪句的assumption？？？

一团浆糊现在

不懂啊  一定要顶上来

不知道大家对这道题题干的意思有没有理解透，我来翻一下。

由于政府给所有个人存款进行了保险，所有存款人都受到了财政上的保护。一个经济学家认为，这个保险partly要为银行高倒闭率负责，因为它消除了存款人的动力来发现是否他们存款的银行离倒闭还很安全。如果存款人更有选择性，那么银行需要保持安全（离破产），从而力争获得存款人的钱。

D 不同银行付给存款人利息的不同，并不是导致银行破产的重要原因

E 潜在的存款人是能够确定什么银行离破产很安全

OG的解释中：The argument is about choosing or avoiding banks likely to fail, regardless of how the failure comes about,

那么，很明显，虽然D很像一个排它法的答案，但是由于文中已经用PARTLY表明了，那么不论D的正确与否都不能和conclution产生联系。即，不管利息是不是银行破产的重要原因，保险都要为银行倒闭负责。而E是把存款人的动力和银行的安全搭桥，填补了gap。

原文：如果存款人more selective，银行就不易倒闭

ASSUMPTION：存款人的more selective即存款人有能力识别那些银行是否易倒闭。

个人想法^_^