For the people who are able to go into an auto dealership and pay cash for any vehicle they want, they never have to consider the details of auto finance.  However, for the majority of people in the world, buying a car means taking on a credit arrangement that makes the purchase possible.  That is the way business is done and it can positively affect the people who take the contract wisely and make the payments as they are required to.  With everyone doing the same kinds of things the industry is built upon millions of people being involved in the same procedure.