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so true Brian. in our current consumerist society all manor of "dept" far outweighs the borrowers ability to pay it off.Cars have to be added to the "credit" crisis just as mortgages have.So much of our population has been hypnotized into thinking they can afford all manner of big ticket items.Sell Sell at any cost is the paradigm. Look at all the store chains offering 0% interrest ,don't pay for the first year...and people don't save the money to actualy pay off the dept accrued in that grace year They continue to buy and borrow way beyond thier means.