- Person is unemployed and so needs to find the best deal on everything. The best deal happens to be far away.
- person needs a vehicle so he can get to a job
- person has bad credit and/or is unbanked
- person is not in a position to buy a $14,000 loan ($30k @ 20%, prevailing rate for "deep subprime" used car loans per Experian)
This person is spending their last money to invest in their next job. How would you move the money if you don't have a bank?
Richer people buy cars from other states all the time, for example by paying CarMax or a dealer a transfer fee to move the car for them (and thereby are not getting the best deal as the dealer takes a margin).