That is why I am driving ol'junk, kereta pakai buang, Paid RM1.5k for it and if it lasts me 6 months ( which I think it will and more) then my ROI is done. Drive it till it kaputs and get another disposable junk, no loan repayment, no worries of it being stolen,scratched,banged by those rempits. No need to wash, or service. So long as it has air conditioning , no water leaks , fill éh up and get to where ever yo uwant to go. It redefined the meaning of "driving' for me hehehehehe.........suddenly my current account became very healthy!