I agree; What about earnings- High earnings effect it the most, while poor earnings effect it the least; or if earnings effect wages which effect Consumer Speanding

taxation rates, career prospects,consumer confidence ( i.e. if they are in a more stable situation, they are more likely to frivolously spend)

As the game is I think oil prices increasing would be an addition to car and utility bills leaving less money for consumerism.

If your interested in modding the game more deeply them I'd like to see a lot more about imports and exports and how they effect consumer spending and GDP.

In real life a big chunk of consumer spending goes out of a country to more technologically savvy countries from buying TVs, PC's, Cars and other things. So being a technological backwater would reduce consumer spending effects on GDP and increasing technology levels would see a rise in consumer spending effects. Also theres many areas in real life where a country can be techologically advanced or behind like military tech/automobile tech/medical tech etc.

Also many goods in real life are imported from less developed countries due to low prices so maybe there could be policies representing import tarrifs (even maybe on many types of good) and another to introduce a total ban on importing from such places to increase the benefits of consumer spending on internal job creation.

Credit Card binging, the consumer tyoe not the government type, could also have an effect by creating a policy to encourage the banks to lend more or less cautiously. Less caution would lead to a high growth in consumer spending in the short term followed by broke people for a time after. More caution would lead people to save before they spend meaning they gained interest on savings and didn't have to pay high interest rates on debts meaning consumer spending would be of a higher total over the long run.

It should have a policy that you can control de Interest Rate. To consumer spending the unemployement rate and the income tax are the most important variables.

The cost of private healthcare/education would not affect disposable income if school/health vouchers were enacted, seeing as that would basically render those services completely free.