> It's hard to imagine dropping tens of thousands of dollars without doing the slightest bit of common sense research as anything other than willful ignorance.

Totally.

But most people don't do that. Instead, they walk into the door and listen to the "expert" selling the car who is doing everything in their power to rip you off or give you a false sense of what you're really paying for that $25,000+ listed item.

It's insane to me that it's even legal. It's even worse than phone companies advertising something is $X per month but then there's 100 line items added in at the last second. Hotels do the same thing. It's no surprise so many people are in debt. So many companies (including medical facilities) do everything in their power to trick you or lie to you in order to make a sale.

Too many people are buying cars using financial products they don't understand: https://news.ycombinator.com/item?id=14476381