Car paint doesn't come off under finger nails. In most circumstances, I would agree.
Ever seen the inside of a VAN. One used for work, inside all scraped up and beat up. Paint loose and flaking off ?
You could be right in some cases. Repaint that is not really car paint for one. Also, I had an 80's Taurus that peeled on the hood and roof, but everything else was hard. These people all had realitively new cars I would think.