Some are owner/operators, many are not. I don't know the breakdown, but many people who drive trucks for a living do not have the financial resources or credit

Some are owner/operators, many are not. I don't know the breakdown, but many people who drive trucks for a living do not have the financial resources or credit score to be able to buy their own truck (generally a purchase between $150,000 - $200,000 or more, with that much again in annual operating costs).