Well whith Clark as president we don't have mcadoo as he's of the federal reserve which means America is going to be hit whith a resestion almost as bad as the great depression do to Europe (especaly briton) sucking out most of the gold out of the American economy via the new york stock market which was only closed do to mcadoos intervention, which makes America less likely to go to war, not more, plus the idea of a central bank for the us was Heataly debated and Clark could very ezaly slip up and not have any central bank for the US.
Mostly I agree with your argument -- McAdoo was Secretary of the Treasury first and foremost, which is how he exercised his authority to shut the NYSE. It was a bold move at the time, and another man in that position may not have made that decision, or made it more slowly, and the economic damage to the United States would have been considerable. It could be argued, since it was primarily French and British extraction that led to the damage, that it might have made people
more sympathetic to the Central Powers at that point, and possibly more willing to force the issues around British blockades rather than German submarines. On the other hand, reciprocity with Canada and the ability to sell to them sans tariff might have eased the burden!
Another difference between Clark and Wilson, also on the tariff question, was the coastwise trade tolls for the Panama Canal; the British especially hated the idea that American ships would be exempt from tolls through Panama, and Wilson was sympathetic. Clark was considerably less sympathetic, and enforcing the tolls was part of the Democratic platform in 1912.
There was great debate over the form of the banking reform, but almost everyone -- from Wall Street Republicans to Farm-Country Democrats -- felt that
some kind of banking reform was necessary. I think SOME kind of banking reform would have occurred. Clark probably would've tacked farther to the agrarian-populist arguments of Bryan and Owen at the time, and they had favored a much more centralized bank than either the Aldrich plan or Wilson's compromise. Of course, a plan better liked by farmers might have encountered much stiffer resistance, and the whole thing might get delayed by the economic collapse and the war, so who knows what would've appeared had it all been postponed 'til the 1920s?