Yep but that’s kind of my point - let’s say your a poverty level worker with a POS car “worth” $2k but it’s reliable and you need it to go to work, and finding

Yep but that’s kind of my point - let’s say your a poverty level worker with a POS car “worth” $2k but it’s reliable and you need it to go to work, and finding another one for a solar price carries the risk of finding a lemon or having unexpected bills your going to end up saying it’s worth $[4]k because it would be a really bad day for you not to have your car and taking the risk on a replacement is just not worth it. You end up paying a higher tax rate than the guy that’s got three cars in his garage and his happy wearing the risk over time of being slightly under replacement value since it lowers his effective tax rate and if he’s out a car for a bit at slight loss that’s no big deal.. That extra “value” (or tax on people) you ascribe to your car may or may not be distributed in manner that societally makes sense