which of the following factors contributed the most to the financial problems experienced by texas?

It is unclear from the question which specific financial problems in Texas are being referred to. However, some factors that have historically contributed to financial challenges in the state include:

1. Oil price volatility: Texas has a significant reliance on the oil and gas industry, and fluctuations in global oil prices can greatly impact the state's economy. Sharp declines in oil prices can lead to job losses, reduced tax revenue, and economic downturns.

2. Natural disasters: Texas is prone to hurricanes, floods, and other natural disasters, which can cause significant damage to infrastructure, homes, and businesses. Reconstruction and recovery efforts can strain state finances, especially if the damages are widespread and costly.

3. High uninsured population: Texas has one of the highest rates of uninsured residents in the United States. This puts a burden on the state's healthcare system, as the cost of uncompensated care for the uninsured falls on hospitals and taxpayers.

4. Limited tax revenue sources: Texas relies heavily on sales taxes and property taxes, while having no state income tax. Depending predominantly on a few revenue sources can make the state more vulnerable to economic fluctuations or changes in consumer spending patterns.

5. Education funding disparities: There have been ongoing debates and lawsuits regarding disparities in education funding in Texas. Some argue that inadequate funding for public schools in economically disadvantaged areas hampers access to quality education and perpetuates financial challenges for those communities.

It is important to note that the financial problems experienced by Texas can vary over time and may have multiple contributing factors.