Questions on the American West, Sharecropping, and the populists

I’ve been doing research but I can’t find anything yet so I’m wondering if any of you know it: 1) the western frontier and sharecropping were known for high interest rates so why didn’t it attract lenders and lower rates? 2) why is it that there were no future’s markets in the west to stabilize farm product prices?

The questions seem daunting so thanks for any response from anyone.