C. It increased the difference between middle and working class.
Explanation:
The adoption of capitalism drove a further divide between those from a lower class, and those from the upper class. In this case, it increased the difference between the working class (which is essentially lower class) and the middle class. The development of capitalism birthed a wealthier middle class, and therefore a wealthier upper class. This then left the working class at the bottom of the barrel.
Civil because if he didn't sign anything mandateing hey I gotta pay u she can't call the cops and say anything about it she can't say he stole it or has made no payments cause then they wanna see the piece of paper saying hey I'll pay