I've tried to find some sense about this. If people are driving a 12 year old clunker with 4 kids and it's worth about $600.00, it seems very inviting to unload it for $4500.00 and a new car. But if they could'nt afford a new car to begin with, now their stuck paying for a car they originally could not afford for the next 5 years unless it gets repoed 1st.