Decades ago I lived in southern California, Orange County TBE.
The bus system rocks, big time. Now I'm north of Austin, and it is a jock. I'd be doomed without a car.
People that just get deeper and deeper into debt should really find a new hobby. Rolling over debt into a new consumable item just gets worse and worse over time.
Got $22k for my *paid for* trade. financed $17K to have some credit activity. Got a $7K discount on my OBX Sasquatch, and no penalty for early pay-off. I'll pay it off in December. My only other debt is $15k for my house.
So, payment is $350.
My 2016 F-150 still had the keypad code card attached to the spare key 9 years later, and not once did I use the code. TBH, I hadn't noticed that the pad was missing. I can see how it would matter to people that are used to having and using it.