When my cars basic functions stop working I'd rather it be that they're actually broken, not that I've lapsed on payments. I agree that it's definitely a matter of degrees, there are a finite number of months in the useful lifetime of a vehicle so for the right price it might be preferable, I just usually drive a vehicle for as long as possible. All that being said, aren't we all tired of unnecessary monthly subscriptions? Not to mention the fact that there's the predatory implication they simply hope you forget you're paying.
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