[qurren]

Most consumers don't think like that. Businesses do.

Part of the reason is upfront commitment is scary and risky for personal money, but not scary for a business.

[supern0va]

Most consumers? Sure. Upper middle class consumers? They're the sort more likely to buy cars with cash if they're dissatisfied with the value of the financing offered.

As with most things, it'll cater to that demographic and then filter down.