Which words mean unable to pay?

Directions: Read the given passage carefully and choose the best answer to the question out of the four alternatives.

It was announced by Prime Minister Narendra Modi that greater access to financial services will be made available to India’s poor. This is expected to affect nearly 500 million Indians who do not have access to a bank account as well as those who are at the mercy of money lenders who charge extortionary amounts of interest.
While India has grown to become the third largest economy in Asia, there are still thousands of farmers who are poor that commit suicide every year because they cannot repay loans provided to them by loan sharks.
According to Modi, small farmers takes a loan from a money lender that he cannot return and ends up taking his life as a result. Furthermore, Modi says, “For his daughter’s marriage, a poor man takes a loan from a money lender that he cannot return.”
This initiative by Modi was announced during the landmark annual Prime Minister’s address that is delivered amongst the ramparts of the Red Fort, located in Old Delhi and built during the 17th century. This annual address is held each year on Indian Independence Day. During this address, Modi offered several other initiatives, but he emphasized his desire for more Indian participation in the financial sector.
His other big announcement was the doing away of the Soviet-style State Planning Commission. This is part of his focus on overhauling the system of government. He stated when he took office in May that the system of government was peppered with competing “fiefdoms”.