A lot of people seem to equate people without great financial options with "stupid." I'm sure a lot of gig economy workers are pretty aware they're borrowing from their future selves or at least they're choosing just not to think about it.

I'm sure some don't understand the real costs. But most are doing what they think they need to do in the here and now and, to be honest, if people are really trying to minimize car costs, they're probably at least a bit less than IRS allowances.