" its better for their business to fail. Maybe they can get into uncertified used car sales? "
Yep, that gets you banned from further conversations with me. Arrogance will not be tolerated.  What that shows is your limited ability to think of non standard scenarios.  Some start up businesses that need to do exactly that, pay low and manage expenses till they start making some money and get a foot hold in their market. unless of course you think all start ups have a billion dollar angel investor just waiting to fund them.