It think there is a corollary to item (5);
In my experience, customers do not understand it is their decision to "BUY" a car, not the dealers. The dealer has an "OBLIGATION" to sell a car to every opportunity that presents itself. If the customer can fog a mirror, go for it.
The dealer is not running a credit clinic, to encourage a buyer not to spend more money that he can afford.
The net result...the way an buried customer gets even is to find fault in everyone but himself.
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