Rich people justify it easily. By rich I mean folks who have enough income that they can afford a car payment and still have no financial worries. They then have the supposed peace of mind of not having to bother with maintenance as everything is covered under warranty.
If youse po like me

you gotta scrimp and save to scrape together enough pennies to pay cash for an old Benz diesel, or something - so you don't have the financial burden of a car payment. I hope to be able to buy a few old cars in the next few years and never have to deal with a car payment again.
- Peter.
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2021 Chevrolet Spark
Formerly...
2000 GMC Sonoma
1981 240D 4spd stick. 347000 miles. Deceased Feb 14 2021

2002 Kia Rio. Worst crap on four wheels
1981 240D 4spd stick. 389000 miles.
1984 123 200
1979 116 280S
1972 Cadillac Sedan DeVille
1971 108 280S