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The best and most correct answer among the choices provided by your question is the first choice or letter A. Hoover lost the elections because Americans felt Hoover’s reforms had not done enough to help them directly.
Roosevelt defeated Hoover in the 1932 Presidential election because he offered the people of America a way out of being poor and homeless. He offered them hope of a brighter future. He offered them a chance to once again have decent jobs to pay off debts, to buy houses and food. He had already proved himself capable by setting up the first state-run relief agency.
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The correct answer is A) Americans felt Hoover's reforms had not done enough to help them directly.
Hoover was an advocate of a smaller federal government, especially when it came to trying to fix the economy. Hoover believed in laissez faire economics and the idea that the US economy would recover on its own. This is why Hoover took minimal action to help citizens directly. This lack of direct action resulted in people blaming Hoover for their problems. "Hoovervilles" became the name of the shanty towns for homeless citizens. "Hoover blankets" referred to newspapers that people used to cover themselves because they could not afford blankets.
Hoover would lose to Franklin D. Roosevelt in 1932 by a landslide.