GeorgeR said it well, cars are not investments. That's why households with the same income can feel they are getting a great deal when they get either a two year old Honda Accord at below Kelly BB, or if their dealer throws in a set of floor mats at purchase of a $175,000 Porsche 911.
There are a lot of cars at $40,000 or more. Each time those cars stop at stoplights you can bet that everyone watching is not suddenly thinking,"I wonder when that car will pay him back." Although when I see a Hummer flying by me, I often think we can never pay back those families that lost their sons, daughters and family members who protected the countries and the supply routes that send us massive amounts of overseas oil.