What did Urban merchants and bankers fear?

The fear of hell was very real and the church often confiscated merchant estates. To avoid this, merchants began contributing some of the wealth they made to monasteries and churches, and providing funds to charitable causes including hospitals and homes for those without shelter.

Explanation:

sir frederic attributed inaccuracies to schemas. memory reconstruction is one part actual events and one part personal schema, which can result in inaccuracies when memories are reconstructed.