you guys run out of jobs of your own?!

in all seriousness, i would help tackle the top and some of the small jobs if you were close (and my car isnt even drivable yet )

 

I actually don't mind this- it keeps credit flowing if the alternative for someone who needed a loan that badly is no loan. As a lender I'd be concerned with a high risk borrower having an issue with me taking collateral or installing that device- they'd be admitting they are seriously thinking of not paying the loan before even getting it! If they don't pay the loan the lender get's the car/collateral- simple as that. Why should a lender take a high risk without either proper compensation for the risk and losses that will be taken from a pool of loans or collateral? The US isn't socialist (yet, but we're getting there...)