> I agree but the problem is that business owners don't like how much money comes from that system and prefer competing for people's lines of credit, because an

> I agree but the problem is that business owners don't like how much money comes from that system and prefer competing for people's lines of credit, because an economy where everyone has $40k in debt literally has more money sloshing around it than one where everyone buys their car outright It's even simpler than that, and "greed" doesn't come into the equation anywhere: any market where goods/services are subdized will lead to more expensive goods and services, by simple economics. Even industries where companies are "good", and try to provide quality goods to customers at an affordable price point (while still turning a small profit) will see this happen, because the excess capital will push the apparent "affordable" point up - its effective, unwitting collusion for entire markets. This is happening in healthcare (insurance that has transformed from being actual insurance in case of catastrophic injury, into cost-sharing), home prices (cheap mortgages), cars (cheap financing), and education (cheap student loans). Debt needs to be more expensive. Insurance needs to only be for catastrophic events.