It’s not about payment of the $250 in rental fees. It’s about them giving you possession of their $25,000 asset. And, “doesn’t have a credit card” is actually

It’s not about payment of the $250 in rental fees. It’s about them giving you possession of their $25,000 asset. And, “doesn’t have a credit card” is actually a pretty good proxy for either “not creditworthy” or “some kind of weirdo”, with neither of these being the people you want to let use your $25,000 car for $250”.