Not really the same thing, but Tesla does it on a 10x scale: The monthly cost of the FSD Subscription is $200/mo, costing $14400 if you were to pay for it over

Not really the same thing, but Tesla does it on a 10x scale: The monthly cost of the FSD Subscription is $200/mo, costing $14400 if you were to pay for it over the entire 72 month loan, but you can also choose to buy it outright for $15k ( $16800 over the loan term at a 2% interest rate; at current interest rates of 7%, $21300) - and for FSD, you can cancel anytime to save money if you don't want it. With the loan, you can't get a rebate for removing the feature. Of course, for things like heated seats, the question is whether or not they've actually reduced the price of the car to account for the additional post-sale revenue. For Tesla, the Model 3 started out at $35k so heated seats being an additional charge at first made a lot of sense, but as it crept well over $40k for the standard range/RWD version, it started to look like a money grab and IIRC it was the 2022 refresh that removed the heated seat post-purchase requirement on the RWD trim.