... With a markup of insurance on the purchase price, more expensive interest rates, and strict restraint based on credit score that can be made inaccessible to the average consumer for a multitude of reasons beyond their control. All this to say, a high barrier to entry.

...Man, you're REALLY struggling with the concept huh?

This must be frustrating, you keep trying to land zingers, only to have the rug pulled out from under your argument, repeatedly.