Most cars still have a physical lock hidden under the handle for emergencies, like opening the car when the battery is dead.

All remote unlock is doing is adding an unnecessary insecure remote layer on top of that for convenience.

I think weex means loan vendors and carmakers would like your access to your car to be controlled by them not the driver -- so they can lock you out if you don't pay them every month.

Which is what I was replying to. They cant lock you out because your car has a physical lock, its just that they hide it these day.

Some cars don't even have physical keys to operate door locks or the ignition, only fobs and ignition buttons that require the presence of fobs.