Read the passage below and determine which combination of the given statements can be correctly inferred from the text. Passage: The proliferation of localized micro-credit and mobile-lending platforms in remote agrarian communities is being celebrated as a powerful engine for grass-roots economic empowerment. By providing rapid, low-collateral micro-loans tailored for seasonal seed purchases, smallholder irrigation equipment, and local market trading, these platforms can help marginalized farmers bypass predatory informal moneylenders. However, fintech providers face severe operational hurdles, including high default tracking expenses, a near-total absence of formal credit bureau data, and persistent difficulties in overcoming the deep-seated skepticism of rural populations unfamiliar with digital banking. Without advanced predictive algorithms to evaluate credit risk and targeted community outreach to cultivate consumer trust, the sector's long-term sustainability remains highly volatile. Statements: 1. Mobile-lending platforms possess the potential to act as a crucial financial cushion for marginalized agricultural workers. 2. Underdeveloped infrastructure and operational complexities cast doubt over the long-term future of the rural micro-credit sector. 3. Populations in remote agrarian communities eagerly and unconditionally embrace digital mobile-lending schemes.