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The introduction of easy credit and installment plans in the 1920s transformed American culture by promoting consumerism and the idea of living beyond one's means. This financial accessibility allowed more people to purchase goods such as automobiles, household appliances, and luxury items, fostering a culture of consumption and desire for the latest products. As a result, it contributed to a shift in societal values, emphasizing material wealth and personal success, while also laying the groundwork for the economic challenges that would follow in the Great Depression.

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