What was NOT a cause for the financial and banking instability in the United States between 1836 and 1863?

During this time, economy was not the cause of the financial and banking instability in the United States. A bank war was going on in the US were some of the founding fathers were not fond of the idea of having banks. They think that it would only become the source of corruption. Because of the bank wars, the country suffered recession which lasted in the early 1840’s