They do not have any money and are not turned on by debt and maintenance costs of maintaining an automobile if they do not have to. I think the main driver is

They do not have any money and are not turned on by debt and maintenance costs of maintaining an automobile if they do not have to. I think the main driver is a lack of money and viewing debt apart from the the car, which is an asset. They are avoiding debt because they are cognizant of it whereas it was normal to to use debt as a means to an end. When they start making serious money they will come around.