I believe OP was trying to imply that an F-150 lightning was a luxury purchase at the current price and likened it to a Lambo purchase, which is silly.

Tonawanda is right, and OP is silly, as most people take out loans to pay for their vehicles.

You seemingly agreed, and another poster insinuated that $20k barely gets you a 10 year old mid-sized used SUV.

I took out a $50k loan on a $60k car because it would have been even money or cheaper over the course of the loan and didn't impinge my spending ability. I think you understand that until recently, financing was the viable and sensible option for purchasing a large purchase. Everything has flipped in the last year though...