

Bear in mind this is almost entirely caused by the stupidity of the American consumer. You can also lease cars like you’re describing, and you can also buy a used Honda Civic for under $20k that will last you forever and you can get loans on more reasonable terms. People just don’t do those because they see they can get a really nice car for an “affordable” monthly price and get stars in their eyes.
Bible stories are the same way, we’ve just heard them a million times so they don’t seem weird