[War_Wagon]

People always think it's the car salesman that sticks it to you. It isn't, it's the sales manager/lease manager/Finance and Insurance guy (or gal). The salesman sells you on the car, the sales manager sells you on the price. And those guys make waaaaaay more than the salesman, because they are the ones that get you the payment you want, and get you to ignore just how much you actually end up paying for the thing! "I see you are drinking Starbucks, you know, for less than the price of that mocha a day, we can get you into an extended warranty, and get that upgraded stereo and alloys you wanted. We'll just work it into the monthly payment *cough for the next 6 years cough*. And the easiest people to get into paying high interest on credit are people that have either never had it before, or better still, someone that had it and then lost it. Tell someone that has never had a loan before, or hasn't been able to get one in a while that they are financed, and suddenly they want everything! It's both amazing and sad to watch, it's like they see it as their one chance to be instantly happy for only $599 a month, so they put themselves even deeper in debt because they can! I've actually seen someone come in looking for a $3000 car to get them around, then find out they could actually get financing for up to $15000, so they went and bought a $14k used BMW SUV at 29%, for no other reason than because they could!

People want shiny and new, they want it now, and they just want the bill sent to them at the end of the month. Just like the guy in the OP video.