English LanguageComprehension and summaryJAMB

For years, Mama Tobi kept her savings in a tin buried beneath the floor of her kiosk in Oshodi market. Banks, she said, were for people who wore ties. When a young agent set up a point-of-sale stand beside her stall, she watched him the way one watches a stranger's goat that has wandered into the yard: with curiosity, but ready to chase it away. It was a fire that changed her mind. One night in the dry season, flames swept through three rows of stalls, and although her kiosk survived, two of her neighbours lost everything they had saved. The next morning Mama Tobi asked the agent how an account worked. She still distrusts much of what she calls 'phone money', and she counts every receipt twice. But she now pays her suppliers without carrying cash through the crowded market, and she says she sleeps better. 'The tin was safe from thieves,' she admits, 'but not from fire. Money is like water; you must keep it in a vessel that does not leak.'

What finally made Mama Tobi open an account?

An AdmitMe practice question, written for the JAMB syllabus. Not an official past question.