With respect, when it comes to vehicles, I think I would actually refuse the Ferrari. It’s too expensive to get insurance or to have work done on it. Parking it at my house makes it an attractive nuisance and increases the likelihood that my home may be burglarized.

Most importantly, I am old enough to know that my personality is such that I would be strongly tempted to drive that vehicle too fast and in an unsafe manner.

There’s a whole host of things wrong with this analogy.