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If he's talking about people with bad or no credit being able to get a loan

That is exactly who he is talking about. The people who trade cars like they do baseball cards and don't give a rip if the money gets paid back. That is who he is talking about.

He is talking about our neighbor who has had SIX NEW CARS in less than 18 months! He hit a deer with his truck so instead of fixing it he bought a new one. He traded his wife's car (less than a year old) for a sport's car. He bought his (never employed 26 year old daughter a new car (old one less than a year old). He just traded his 'old' truck (the one he bought after he hit the deer) for a new car just last week. He is NUTS (literally)!

BTW, his wife works for the president of a bank. I would hate to see their real credit rating. The bank probably has first dibs on her check.

When I buy vehicles especially if they are new, I prefer to keep them until they can be hauled away to the junk yard. In the almost 30 years I have driven, I have had 5 new cars and a couple of used ones. Newest car I have is an '06 Subaru WRX Turbo - paid for. The previous new vehicle I got was a '99 Jeep Cherokee which I still have and is in very good condition. It has 75k miles and if you look inside, looks like it is off the showroom floor. My Subaru on the other hand, I have 35k miles, has some wear and tear. A child less than 10 years old can wear things out quickly. Last Sunday, he threw up in the car. However, I dropped him off at home and then went to the car wash to vacuum the "results". I then had to get baking powder where it contacted the seat and carpet and let is sit for a day and then vacuumed it. Finally I got some stuff from the pet store that deals with animal pee, poo and barf. I don't smell it now including especially the last few days when it has been warm.

I also have an old '91 Toyota P/U truck (redneck truck) that I used as a daily driver to work. I got some nasty comments from a couple of people in management that I should have a newer type of vehicle such a 4 door type commensurate with my position. Something like a year old at the most. I had some money and wanted to go back to s sports car, got the Subaru, again, more nasty comments from management, this time such as questions on why I bought a "kids car". I didn't buy the car for a few eyars after the comments started on my truck. My responses back was, I not heavily in debt like some people and prefer to remain debt free.

He is talking about our neighbor who has had SIX NEW CARS in less than 18 months! He hit a deer with his truck so instead of fixing it he bought a new one. He traded his wife's car (less than a year old) for a sport's car. He bought his (never employed 26 year old daughter a new car (old one less than a year old). He just traded his 'old' truck (the one he bought after he hit the deer) for a new car just last week. He is NUTS (literally)!