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"The unfettered marketplace, in which uncertainty rules and the admonition caveat emptor ('let the buyer beware') dictates each consumer decision, has today virtually disappeared. Consumers have become the focus of intensive economic policymaking designed to protect them from the risks and disappointments of the market. . . . Today, arguably no other economic actor in the advanced industrial countries not the investor, not the worker, not the welfare recipient enjoys a more thorough set of legal and institutional protections than the modern consumer when he or she enters the corner store."...

Why did America embrace consumer credit over the course of the twentieth century, when most other countries did not? How did American policy makers by the late twentieth century come to believe that more credit would make even poor families better off? This book traces the historical emergence of modern consumer lending in America and France. If Americans were profligate in their borrowing, the French were correspondingly frugal. Comparison of the two countries reveals that America's love affair with credit was not primarily the consequence of its culture of consumption, as many writers have...

Why did America embrace consumer credit over the course of the twentieth century, when most other countries did not? How did American policy makers by the late twentieth century come to believe that more credit would make even poor families better off? This book traces the historical emergence of modern consumer lending in America and France. If Americans were profligate in their borrowing, the French were correspondingly frugal. Comparison of the two countries reveals that America's love affair with credit was not primarily the consequence of its culture of consumption, as many writers have...