Too many people are buying cars using financial products they do not understand
I was under the impression that the whole point of auto-financing was to get even <i>even more</i> money out of the consumer.  When I bought my last car, I just bought it outright (because it wasn't particularly expensive) which appeared to baffle the dealership.  I was actually a little concerned that the dealership told me it was the largest check they'd ever seen (for ~$14k).<p>Getting people to sign off on a contract they don't really understand is a great way to get more money out of the consumer than they'd otherwise spend.