Steel has the nice property that if you stay under certain stress limits fatigue doesn't built up over time and so you can keep using it as long as you care to (or until salt gets it).
There are many countries where only a small percentage of the car owners also have garages, so the cars stay always outside, in rains and bad weather. Such cars rust completely far quicker than the cars kept in better conditions.
I had a car that I have used for 30 years and many hundred thousand miles, without having a garage. By its end of life, it still had many parts of the original motor, but from the original steel chassis there was nothing left. Every part of it had been replaced several times, due to excessive rust.
Unfortunately, even stainless steel is considered as too expensive by the car manufacturers, despite the fact that when we consider the total cost over the lifetime of the vehicle, with the need of replacing the rusted parts, the cost of stainless steel could have been less (but then customers would have been repealed by seeing higher upfront costs, without knowing how much they will spend on repairs in the future).