I think I was 12 or 13 when book 5 came out and it clicked for me that it wasn't setting up for anything, it was just creating obvious commentaries and then hand waving them. Nothing was coming about Potter's wealth and the Weasley's near poverty. "SPEW is a silly acronym" was everything we were getting about the house slaves. I hadn't even made the Semitic connections to goblins and was uncomfortable with the implications of them being exclusively bankers. The bad people were bad because they were bad, and the good people were good because they were good.
At least by that time I'd discovered PTerry, so i already had better stuff to get on reading.