Credit was a new thing, banks didn’t have the money for loans, to much production and not enough consumers (inflation)
During the Gilded Ages, social problems arose such as the dominated discussions with regards to the different classes such as better, dangerous and respectable classes, which arose during the development of the US into an Industrial economy. Another Social Problem was that the described overworked individuals in the Fall River was described by the owners as sc#m of the English and Irish men.
From the consumer's point of view,
Outsourcing of jobs : Will be positive. Because this will result in Cheaper labor and faster distribution of products
Cheaper Good: Will also be positive for consumers. Because they could allocate their money for something else.
Cheap Labor: Also positive for the consumers because this will lead to cheaper good.
They have to enter the cell of another organism.