In poor areas, there are often fewer dealers, because you have to deal with poor people who have less access to money. It's often more profitable to sell expens

In poor areas, there are often fewer dealers, because you have to deal with poor people who have less access to money. It's often more profitable to sell expensive items. If you do serve a poor area, you are very likely to be able to force terms that are onerous. On the second issue, what if you drove that car out for a hike and its cold and started raining, and now you can't get inside it? What if you need to drive someone to the hospital? Of course, they can just die, because they are poor.