That could prove a serious problem for many. I'm so glad I stick with my old-fashioned "save up and buy outright" approach. My CCRV might be worth naff-all but at least I own it and can hang on to it until falls apart or I can't drive it any more.
My sentiments entirely I'll probably keep the diesel Fiesta until it stops, I have never been into the borrowing game I just feel more comfortable spending my money somehow.
I do feel a bit of sympathy for the keep up with the "Joneses I need it now brigade" but not too much.