The consequences need not be as extreme as those described by Ozzymandias. But the survival of Astor, Strauss and Guggenheim could have significant implications. Say the Fed is much weaker than in OTL. Say the first world war is much more abbreviated. What impact might there be on the Russian Revolution? If the war that happens ends in more of a draw, the events that lead to the second world war and the Holocaust do not happen. You have a different century. But you still cultural conflicts with the Ottoman Empire and Islamic states. The American Great Depression was fueled not only by failed investment practices, but by market saturation of railroads and the sudden loss of growth in the steel industry. Now, look at American prohibition. Without antagonism against beer-drinking German-Americans, prohibition might be confined to distilled liquor. If congress outlaws whiskey, there might not be a prohibition amendment. If there is, it might only apply to whiskey and might have never been repealed.