The whole "psychology" part is what I was thinking of too. I do NOT want a car payment, as I feel like these sorts of games hide how much you really are paying.

The whole "psychology" part is what I was thinking of too. I do NOT want a car payment, as I feel like these sorts of games hide how much you really are paying. And car dealerships are a business, so they encourage this sort of behavior for a reason (likely to get as much money as they can out of you).