GMAT Critical Reasoning (CR) | Re: Businesses are suffering because of a lack of money

I got this wrong initially but believe I have a strong understanding of the question. I was debating between A and D with A as an unsure in regards to what it does to the argument.

My prephrasing includes thinking of the assumption whether or not the retirement savings account is in the same pool of money as the loans.

A - makes sense when I reviewed this and my prephrasing helps a bit about me thinking about pool of money
B - irrelevant. I don't care whether or not the government makes or
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