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Probably most people who are 2nd owners of a vehicle finance it. Probably when they make their final payment, they are bored of the car and trade it in on another payment. A major malfunction doesn't affect their situation much because they were always going to throw most of the value of the vehicle away in trade and continue their monthly payment as just one of those unavoidable American expenses, like the cable bill, expensive cell phone plans that come with a "free phone", and lots of eating prepared food.
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