You don’t need to when you have a few dozen customers. You meet with them and plot world dominance over cocktails.
Auto companies have the structure they do to support 1000s of dealerships and millions of customers.
Vendor finance of the kind Nvidia is doing is different: they are the single vendor for one thing, they are loaning to startups who otherwise might not get funding from banks, it’s coming from the same balance sheet as the product, and these loans are materially causing GPU scarcity.
In general, vendor finance of the kind Nvidia is doing is indicative of an uncertain market, and when it’s the only vendor and it causes the price of the thing to rise, that’s obviously bad.
The industry is very aware that it relies on this for its continuing growth and stability.