Are there specific issues that you have with the comment and deeper insights than those described? If so, what are they, and what data do you have to support them?
If you don’t own a car in the US and don’t live in a place like NyC you will be destitute. You will have no way to get food and no way to get to work (and therefore pay rent.) Most people in the US could afford to actually save money if they didn’t have to pay (including interest!) on the loans they have to take out to buy a (crappy and used often!) car.
>Instead of buying a 20-pack of $necessary_product that costs $20 and will last for months, the lower class buy a 2-pack that costs $5 and lasts a couple weeks because they need the $15 to pay rent.
That directly implies that if they could be lent the $15, they could get the long term cheaper option and save money, even if they had to pay it back plus a high APR.