A car is not a sandwich, just like a credit card is not a potted plant? I used the specific example of a car as something that has legal constructs for an actu

A car is not a sandwich, just like a credit card is not a potted plant? I used the specific example of a car as something that has legal constructs for an actual document called a title of ownership, where there can be a lien on the title, etc. If the dealer has a lien against the title of the car, then yes, you give back that car when the order to repossess is issued. You think the lien is cleared because the debtor passed away? It doesn't work like that. The ownership of the car is based on a transfer of title, and though you may be driving the car, possession is "only 9/10" of the law. If the title is not in your name, then it is not your car. You're just driving it. Such cases I'm fairly certain that it's actually the title that says who owns the car. If you gave a homeless man a sandwich, paid for with a credit card, and then you died owing money on that card, then yes, that man probably has clear title to keep the sandwich.