Prompt 1: The promise of consumer finance

Postwar consumer finance promised a democracy of consumption, but in many ways did not deliver over the subsequent decades (not just during the postwar period). Why did consumer finance fail to foster a more egalitarian society?

Consider state policy, business practices, economic shifts, and other topics  discussed, why, when and for whom did consumer finance fail to deliver on this promise?

[Clarification: While the promise of the democracy of consumption was from the postwar,