I suppose, as with "self driving" technology, you have to balance the "nightmare scenarios" with the positive impact and consider the net result. I don't think

I suppose, as with "self driving" technology, you have to balance the "nightmare scenarios" with the positive impact and consider the net result. I don't think it would be defensible to disable a car over missing payments, for the reason you describe, but disabling a car because the driver is clearly inebriated would save far more lives than it costs.