what is the reason of economic downturn?

I think that the reasons are bad cash flow and low financial education. For bad cash flow, when the cash in the market is not flowing properly, then it might just stop there and not moving. Therefore, there are less cash flowing. People tend to keep money in bank and reduce buying anything. If all the cash stuck in the bank, thus less money is in the market. So, most businesses will experience money problem and cause bad economy. When companies and businesses are having bad income, they have to fire workers. This in turn causes more money to stuck in the bank because workers without job and income will reduce their spending even more. The lower the cash flowing in market, the more businesses will close down and economy problem will be more serious. For financial education, most people are not good at managing their own money. Most people are spending on doodads instead of investing. They are spending to their limit and sometimes over their limit. For example, the usage of credit cards causes a lot of people owe money and owe a lot of interest charges. When people no longer able to pay their credit card debt, bank will suffer because bank cannot get back their money. Thus, this will create a economy crisis.

From mu point of view it the money chain is being broken from high levels industries not having funds throwing persons so money chains from them breaks and some people keeping safe they are also breaking the money cycle

The reason why crisis is down because of the corruption in our country. The politicians always in corrupting the money of the government. And government employees also corrupt using the money of the government. Our country is the most top ten corrupt right now.

the main reason of crisis is less circulation of money and the behavior of people to spent a lot of money and taking loans