> In reality, nothing has changed because the same pay-ahead option is still there. That is not true. In the past you have owned a car you bought. Who is going

> In reality, nothing has changed because the same pay-ahead option is still there. That is not true. In the past you have owned a car you bought. Who is going to pay for seat heating if a seat has to be replaced? Who is paying for the fuel caused by the extra weight for stuff you didn't want. What happens if you decide to modify the car you own and run the seat heating yourself?