If you feel like buying a 80k truck, that's cool.
The issue with America is the vast majority of truck buyers really can't afford an 80k truck.
This isn't the best source, but it says here the average truck buyer is only making 82k or so.
https://www.myautoconcepts.com/blogdetails?id=4049
From experience talking to friends and sales people plenty of folks with 60 to 80k incomes find themselves in 50k plus vehicles.
I suspect for the majority of truck buyers, if credit wasn't as easily available, they'd find alternatives.
The only reason the typical person can buy an 80k truck is they can get a loan.
Let's say their was a hypothetical car loan limit of 1/4th of your annual income. A lot of people would find out really fast they don't need a massive truck.
Manufacturers would in turn adjust accordingly. A 15k car, maybe without a bunch of touch screens, is possible.
This is probably why cars are cheaper in China, credit isn't as available.