Pretty much the entire automotive market these days is built around the assumption that the car will end up being repoed long before the loan is paid off. They're basically just charging rent on cars and calling it a secured debt.

That's why cars have gotten so ludicrously expensive and terms of gotten so long- everyone is just choosing a rent payment and deluding themselves that they will hold out for the next 7 years and own it someday for the price of a house.

And of course they're not thinking far enough ahead to realize that unlike a lease, they will pay for all the depreciation as well when the repoed car is auctioned off.