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A. Tar paper shacks that housed people who couldn't afford to pay the rent/mortgages

Explanation:

A "Hooverville" was a shanty town built during the Great Depression by the homeless in the United States. They were named after Herbert Hoover, who was President of the United States during the onset of the Depression and was widely blamed for it.

Hooverville shanties were constructed of cardboard, tar paper, glass, lumber, tin and whatever other materials people could salvage. Unemployed masons used cast-off stone and bricks and in some cases built structures that stood 20 feet high.

social contract theory, nearly as old as philosophy itself, is the view that persons' moral and/or political obligations are dependent upon a contract or agreement among them to form the society in which they liv