[frumper]

Sounds like it’d hurt poor people unless they make what you call more responsible choices. A difficult part about being poor is you often don’t have as many options. There is a lot of reasons why that turns up, but it’s there all the same.

[Dylan16807]

The ability to buy a car with a loan is very widespread. It's easier than cash if you're poor, isn't it? And with a loan you can balance vehicle cost against gas cost easily.