Shouldn't? Forgive me, but it sounds like you're making a moral judgement here. If there's a downturn and a loaned car can't be sold privately, then the car is

Shouldn't? Forgive me, but it sounds like you're making a moral judgement here. If there's a downturn and a loaned car can't be sold privately, then the car is simply repossessed and auctioned off. These things are all contractual, and in a properly setup system the company shouldn't make any losses over all their loans, regardless of a few pettering out. If you buy a car and rent it, that's suspiciously like simply running a business and many businesses run using loans both short term and long.