They do for me as well, after watching all the tik toks of people making 1000 dollar plus monthy payments they cannot afford.
I ran into the negative equity trap when my first financed car crapped out on me in year 3 of a financing deal.
I almost paid off my second before it was crashed into, and definately paid off my 3rd and have been buying cars outright ever since. My most recent one I financed for a grand total of 1 month as I waited for an insurance payout, but having learned at a young age how banks and dealerships trap you in the negative equity cycle I promised myself I would not play that game.
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