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Truth is that you can buy a used 91-92 Accord for around 3k to 4k and it will still last for a long time and not give you too much trouble. You won't look very cool driving it, but it will get you from point A to B which is all that matters really. You could probably buy a very nice used car for 7-8k that will run smooth and not look too shabby either.
No one "needs" a 20k car, if they think they really do they are delusional. For someone that poor its much better to buy a used car because it doesn't depreciate in value so much. Actually a lot of people who have money buy used cars too. And they could always take the bus if they have to. You can find plenty of decent used cars for 4k or so. A 20k car is not something you "have" to have. If someone is that poor they should buy a used car or walk. Who cares, it's no big deal if they can't afford a 20k car, they don't need it anyways, it's only a car.
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