What practice in large part caused the stock market crash, sparking the Great Depression of the 1930s?

A.
people buying one stock and selling it the same day, called "day trading"
B.
banks purchasing a combination of stocks, bonds, and land investments with deposits
C.
government investing the taxes it collected in the stock market
D.
people overspeculating on stocks, using borrowed money that they couldn't repay

D. people overspeculating on stocks, using borrowed money that they couldn't repay