Exactly. It seems like some people would rather have the poor not get access to cars at all. Because that's the alternative. It's all about risk adjusted retur

Exactly. It seems like some people would rather have the poor not get access to cars at all. Because that's the alternative. It's all about risk adjusted return: if the lenders can lend with lower risk, they can lower interest rates to their existing borrowers, or expand to less credit worthy borrowers and keep the interest rate the same.