Some of the failure to shift to more productive agricultural products may be related to ignorance about the benefits of changing land use. A second explanation is a lack of availability of credit, caused by the high rate of failure of banks in the Plains states. Because banks failed in the Dust Bowl region at a higher rate than elsewhere, farmers could not get the credit they needed to obtain capital to shift crop production. In addition, profit margins in either animals or hay were still minimal, and farmers had little incentive in the beginning to change their crops.