must me nice in your bubble that $84,000 as a one time payment is reasonable.  normal people can&#x27;t get a loan for something like this, and obviously don&#x27;t have cash stored away for something like this, and like the article mentioned, the op won&#x27;t get covered by insurance even though he&#x27;s done his part and paid insurance premiums.  he clearly had no other options. glad you drive a $33k car. seems like the op doesn&#x27;t.