There are very clear laws under the UCC regarding repossession. I own a collection agency and am well aware of all of them.
What I see every day is people who want things for the their own enjoyment but don't want to pay for it. I don't feel bad for these people, except in a few situations that we will probably both agree on.
Most creditors wait at least 90 days before reposessing a car.
I can't imagine a creditor knowingly exposing itself legally by repossessing a car whose owner is current on the payments. It makes no sense.
I do a lot of work for tool rental companies. If the person never returns the rented tool, at what point does it become stealing? I am chasing a few deadbeats right now who rented expensive tools and never returned them. Are they simply debtors or thieves? In fact, at this point, I have so many clients in one area, I have the same deadbeats owing money to many of my clients? Am I supposed to feel bad for these people?
If you are well aware of them, there is no excuse for your erroneous statements then.