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...Misleading prosperity consumerism was driven by credit installment plans led to debt uneven distribution of wealth wealthiest earned over national income stock market boom speculation buying on margin herbert hoover elected in defeated alfred e smith d ny the crash black tuesday october panicked investors dump stocks confidence economy disappears thousands banks failed businesses unemployment rose causes great depression unstable unevenly distributed more goods than consumers want overproduction many workers didn t see economic benefits made recovery difficult overspeculation with borrowed money used as collateral buy based rather actual value government policies federal reserve cut interests rates boost growth worry about cause fed limit supply discourage lending too little circulation help recover after...