“Bought a 2016 Honda CR-V last year. Wife and I have excellent credit. Was going to pay in full, but they offered 0.9% for 60 months. They’re basically lending me money for free.”
It still came out of your pocket. Your purchase subsidized the loan.
In that sense, everyone's purchase subsidized the loan, as the purchase price was hammered out before the payment terms came up.
Not if you negotiate the price of the car BEFORE you talk about financing.
You have a lot to learn.