this isn't quite the same. if you compare like-for-like as much as possible (eg, base 2000 honda civic vs 2020 civic), msrp for new cars has not kept pace with

this isn't quite the same. if you compare like-for-like as much as possible (eg, base 2000 honda civic vs 2020 civic), msrp for new cars has not kept pace with inflation. adjusted for inflation, the price of an entry-level car has fallen in the last twenty years (even as the lowest end cars have become far more capable, safe, and efficient). easy access to credit may have increased the average price paid for a new vehicle (by shifting buyers up-market), but unlike in the case of housing, this does not deprive buyers of the chance to buy a cheap car. people buying bmws on 84 month loans doesn't mean you can't get a brand new versa for $15k OTD.