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A comment on $35,000 Tesla Model 3 Available Now. Parent comment

Re:$35,000 Tesla Model 3 Available Now by jedberg on Thursday February 28, 2019 @08:59PM (#19277346)
I could have paid cash for my cars. I chose payments because the rate was literally less than the investments returns I get on that cash.

It’s all about opportunity cost. If you have better things to do with the cash then it makes sense to finance.

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Re:$35,000 Tesla Model 3 Available Now by nrb on Thursday February 28, 2019 @09:03PM (#19277363)
The fact that credit scoring cannot take this into account is another failure of credit scoring models.
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Re:$35,000 Tesla Model 3 Available Now by nradov on Thursday February 28, 2019 @11:55PM (#19278010)
It's not a failure. That's simply outside the scope of credit scoring models.
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