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During the early settlement of the South, landowners and plantation owners assumed more risk due to their significant investments in land, labor, and crops. They faced uncertainties related to economic fluctuations, labor shortages, and environmental challenges. Additionally, the reliance on enslaved labor introduced moral and legal risks, as social tensions and resistance movements could threaten their operations. Conversely, settlers and small farmers had less at stake and often sought more immediate, lower-risk agricultural ventures.

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