If anything you're Also to a degree proving my point on the market at large being skewed toward larger actors; as the capability of the "new entrant" to extract value from the market is significantly diminished. Get that same car to a dealership, and they might even be able to extract even more value for it.
Also, if you're taring the sale at last seller, that's not entirely fair. First sale is what we're discussing, generally represented by first change of hands after factory->reseller.
>the financial industry converging on whichever form most effectively sidesteps the current regulatory regime.
I should probably have phrased it to industry in general, but regardless, I stand by my original point. The automotive industry accepts taking a loss through sub-optimal implementations of regulatorally incentivized models in order to optimize on the most profitable model segment.
Capitalism will converge in the direction of a net negative naturally without active efforts to reign in it's tendency toward fiscal optimization at all costs.
I'm not even being controversial and saying socialism/Marxism is the way. (They aren't; in case anyone is wondering). I'm just pointing out what actually happens.
Some design or manufacturing flaws can lead to auto makers paying someone to dispose of an otherwise brand new car. Sometimes, such as when they've poorly forecast demand, selling their inventory at a loss is a smaller loss than paying for disposal. Other times they will destroy functioning, new vehicles if that's what's necessary to maximize total revenue.