Which of the following factors can make a voluntary agreement voidable?

A voluntary agreement can be deemed voidable when one party has been misled or deceived in the process of forming the contract, which is often the result of fraud. Fraud can occur when one party intentionally provides false information or omits crucial information, leading the other party to enter the agreement under false pretenses. This undermines the principle of mutual consent essential for a valid contract.

When fraud is present, the aggrieved party has the right to void the agreement, meaning they can choose to enforce or rescind the contract based on the deception that occurred. Hence, recognizing fraud as a factor that makes an agreement voidable is crucial in understanding contract law and the protections afforded to parties in a contract.

The other choices present different contexts that do not fundamentally compromise the validity of consent in the same manner. Lack of financial resources does not impair a party’s capacity to enter an agreement, legal representation typically strengthens the contractual process rather than undermining it, and changes in market conditions are external factors that can affect the contract's performance but do not inherently affect its validity or consent at the time of agreement.