请教语法题OG紫-74

74．The bank holds$3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due．

(A)  they do not expect payments when

(B)  it does not expect payments when it is

(C)  it does not expect payments to be made when they are

(D)  payments are not to be expected to be paid when

(E)  payments are not expected to be paid when they will be

答案是B,但为什么D选项不对，看OG解释没有看明白。他的解释说are not to be  incorrectly shifts the action to the future. 我觉得pay的这个动作本身就是要发生在将来啊？  还有，是不是在OG中，主动选项优于被动选项。 不知道这条我自己总结的规律对不对，麻烦指教了。 谢谢了

谢谢！明白了。