that sucks Tit Wrangler! Im pretty much an all cash kinda guy with a wife who isnt quite on same track , differant part of country but people i know dont pay cash for anything just some crazy finances they have , steady jobs with the most stable income you could imagine but boy they cant miss a days work if its not vacation pay or sick pay covering it. only bought one new truck in my 66 years and it was cash in 09 still have it. Admitedly I am a bit cheap but I get no pleasure in wasting money or buying things I dont even want. I do try to enjoy life too and have many comforts and travel a fair amount. worked hard and try to make good decisions and not impulse .