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And putting the cash up front protects you from getting trapped in a loan that ties up too much of your income for a car that might end up being more of a liability than an asset.

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You can also get an unsecured loan, but these can be a bit harder to qualify for, and you will not be able to borrow as much as you can with an unsecured loan.

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To force it, externally - through moral intimidation (altruism), social intimidation (duty), or at the point of a gun (legislation) - debilitates our personal sense of well-being and negates the source of benevolence.

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