Huh? Who said anything about &quot;value&quot;? You are the one who mentioned car pricing not me. My point is that cars are peoples single largest purchases outside of home ownership and  for most people the <i>only</i> reason that is even viable is because a source of financing exists.<p>Why are you dragging iphones and Apple into this? You are way off point.<p>&quot;the companies shouldn&#x27;t be forced to basically be private charities.&quot; Wow, I don&#x27;t anybody has ever compared a big pharma company to a private charity before. I had to reread that sentence twice.<p>How about Martin Shkreli the CEO of Turing Pharmaceuticals who overnight raised the price of an AIDS drug from $13.50 to $750.00 a pill overnight? Is that OK? He shouldn&#x27;t in your words &quot;be forced to basically be private charity&quot; right?