Regarding the auto financing. Traditional lenders will typically have no ability to repossess secured assets themselves, they will send out a colourful letter and if that doesn't work, sell the debt to a collection agent. DeFi in the form currently available doesn't need a credit score as it is secured against collateral, but a credit score would likely be needed in this case. New cars sold in the EU are likely trivial to repossess; I believe they have built in location trackers.