It's worth noting that since we've been in a near-zero interest rate environment for a long time, servicing $80k of debt was comparatively very easy, especially

It's worth noting that since we've been in a near-zero interest rate environment for a long time, servicing $80k of debt was comparatively very easy, especially when car makers dealers were desperate to keep selling more and more cars even if the loans were going to be hot garbage. So it's very possible that these people managed to drive off the lot with that car without putting barely anything out-of-pocket.