The tune is "Jordan is a Hard Road to Travel," the lyrics have been adapted to then-current economic conditions.
"There is nothing new under the sun," as the saying goes.
I found these lyrics in "Christy's New Songster" published in 1863. It can also be found in songsheet from in the Library of Congress American Memory. I suspect the lyrics refer to an economic downturn that happened prior to 1863.
The Christy's version says "Banjo solo, as sung by W. Herman, at Christy's Opera House, Brooklyn."
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