Yes, once EVs have matured they will keep their value after adjusting for subsidies (there are lots of stupid articles that don't understand why a used EV with 0 miles goes for 5k less than a new one). However, this should make financing a car more predictable.

It's better to own something that costs X amount per month than to get a steal and have unbudgeted surprise expenses if you are poor. Exploitation happens when someone is unable to make an informed decision because of information asymmetry.