I used to live in this weird apartment building that once had been fancy, so it had large common areas with fitted carpet; but now was "significantly less desirable", and residents used to let their dogs shit on the carpet. It was the cheapest 1-bed flat I could find at the time. 2/3 of the cars parked outside were recent BMW's or Audi's. Everyone will choose how they spend their own money, but some fall for the glamour of consumerism more than others, and for many young men with jobs but no families that means the coolest car you can manage, even if you have to live in a damp hovel and wade thru dog shit to get to it every morning 🤗

Doesn't sound like someone who's minutes away from starving buying something that was obviously unnecessary though, does it?

And if a guy with shitty credit and unsteady income is able to get financing on a six-figure truck, that's more the banks fault.