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I like this product, but it is the first step to a possible total loss of our individual freedom. The next step is for colleges to implant a chip in your brain as the price of education. Thereafter, you must "donate" 10 percent of your income or it lobotomizes your brain. This application seems ok, but the next one may not be ok.

I like this product, but it is the first step to a possible total loss of our individual freedom.

The solution is simple. Just don't buy on credit. Save up and pay the full sum in cash. You have a choice. You always have a choice.

. . . but it is the first step to a possible total loss of our individual freedom.

Only if "individual freedom" means to be allowed to avoid personal responsibility for paying one's just debts.

You could always start your own car dealership and contend with deadbeat libertarians who whine that it's somehow unconstitutional to hold people responsible for personal sloth and dishonesty--epseically when the creditor is a big, bad freedom-stealing business (by so characterizing the creditor, libertarians are able to rationalize a comfort zone where "sticking it to the man" is a preferred and comfortable tactic).

Of course, when you exercise the capitalist option and become the big, bad freedom-stealing creditor you tend to see the whole situation differently--especially with respect to the deadbeats who eat up your profit margin.