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I think the author did this to show that sometimes people are good natured and kind at heart. I think for younger kids it would be a good ending, but sometmes it's best to see the world.
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Economy goes down, no job. Banks have no profit, no money. No money, no paid bills, and it all goes downward from there. Depends on the story, if he improved from this then he saw that during this great time he needed to change himself, and it motivated him to try harder, if he became sad and didn't improve, what was said up there explains why and how its affected him.
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Racism is typically understood to be discrimination committed against people of a different ethnicity. Colorism on the other hand highlights biases that proliferate between persons who are members of different ethnic groups as well as biases that proliferate between persons who are members of the same ethnic group.
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