She is clearly a financial idiot. Instead of whingeing about white supremacy, schools should teach compound interest and the magic avoiding debt.
The best advice anyone ever gave me was an old boss who gave me two words “avoid debt”. I also took a course in engineering economics, which has proved to be one of the most practical courses I ever took.
I bought a 2022 GMC Canyon and was prepared to pay the balance after trading in my 2016 Canyon with cash.
Stuck the best deal and they had a three year zero interest rate offer. So in that case I went with the loan. But normally I would never borrow money to pay for a vehicle.