>I don't agree that consumers are strictly limited by price. It's been the norm to finance vehicles with loans for a while now.

The monthly payments are dictated by the purchase price and interest rate. Guess who controls the interest rates?

I don't actually know who sets the industry standards for automobile financing.

But the point you're making is missing something: term of the loan. That's the easy way to get the monthly cost down.

The price of anything expensive includes the cost to obtain enough money to buy it.

When I said "price" that recognizes the fact that cars are financed. It's like the price of a home that way, you're not disagreeing with anything, you just didn't know what that word meant in this context, for some odd reason.

Yeah, the fact here is obviously I can't English. Not that you ignore the reality that consumers consider a car purchase a "$X per month" and not as an actual cost. Every consumer is perfectly educated and diligently computes the total cost of ownership of every purchase.