GreatAlbatross

What a lovely cat.

It’s a gentle nudge.
If you’re picking a car, and didn’t think about it very much, something like paying more for parking might well nudge you to a smaller car.
And it means when those 100k cars go on the second hand market for 20k a few years later, the people paying that much will not be happy with the fees.

On a slight tangent, range rovers are being targeted by criminals. To the point where RR ups the security, and it’s worked around in a month or so.
This has lead to insurance premiums going way up. And while there are a few people just choking down the payments, others are switching away from RR, or from SUVs entirely.
It doesn’t put every customer off, but it certainly affects a chunk.

If they’re external creditors, it makes it a lot easier for them to go “nope, not paying that, what are you going to do?” when they’re one massive state-backed monolith.