@ai6yr the cars are likely a big part of those folks' bills. if you're cash poor but have steady income, buying new will net the lowest APR and lowest credit requirements. especially with nissan.
dealers will sit a buyer down after a pleasant test drive, pull out a four square, and wear them down over the next five hours. "you can afford $600 a month for a brand new car, can't you?" and they walk out with an 84 month loan and are shackled paying $50k for a $30K car.
@ai6yr used rates are much higher and "look" worse until you factor in that you have a car at the end. and don't take as much of a bath on depreciation. but there's less aspirational prestige buying used and you'll likely have to put more money down.
and if you have no better options for public transit or it triples your commute time, unless you're both savvy and can save up, it's easy get trapped.
never mind the bewildering political power of dealerships.
In my community, food bank shoppers are 95% women. Men are too proud. Women want food on the table.
There used to be a nonprofit in my area that gave away huge bags of surplus produce for a small fee (I recall $11) to any and all comers. I recall huge carrots and potatoes the size of my head, as well as stuff I'd never seen before. Once they included frozen pizza dough! They were staple for me for a couple of years until they moved to a very inconvenient location for me, and they seem to have dissolved when COVID came on the scene.