The most accurate statement regarding the impact of the Crusades on trade and daily life in Europe near the end of the Middle Ages is:
The Crusades increased trade as treasures from foreign lands were brought back to Europe, creating a desire for more.
The Crusades opened up new trade routes and increased contact between Europe and the East. Crusaders brought back various goods, including spices, silk, and other luxury items, which sparked greater interest in trade with the East. This led to the establishment of new trading networks and influenced European markets, culminating in the rise of merchant classes and increased economic activity.
Additionally, while there were certainly challenges related to depopulation and loss of livelihood due to the wars, the net effect of the Crusades on trade was an expansion of opportunities and a vital contribution to the eventual transition into the Renaissance.