Since the South relied on trade, they often ran out of necessary materials. At the beginning of the Civil War, the Union blockaded the Southern coast, blocking any trade from going in or out. Since the South had very little factories and relied on other countries for everything, they ran out of materials very fast. Materials included food and even money. Farmers had a large cotton trade with other countries, and the trade is what they got the most money from. When they were blockaded from trading, they couldn't sell their cotton. This also caused inflation. Everyone started charging. more so that they could pay for their every day, but not enough people had money to pay for it.
Feel free to change this any way you need! I hope this helps.
