I explained it very clearly. You just don't want to see it.
You honestly believe that if a bank can prevent a car from starting when the loan payment is overdue, that this potential would be seen as trivial?
If you are not considering the potential, and who would benefit from the implementation and widespread use, then you are choosing to ignore it. Or, you don't truly understand it.
No, I understand it.
I just think you think you are entitled to rights, that you actually do not have.
If a bank doesn't let your car start, when you did pay, and they hold you up for more illegally, then yes, that is a problem.