could you imagine buying a car at a dealership with ONLY a smart contract,
that's the problem with people these days. you are trying to solve a problem that does not exist. it is like insisting on using a rocketship to go to work instead of using the bus or your car!
yeah you can use a smart contract to do anything, but the question is what will you gain by adding this complication?
While I agree with what you're saying, I think that smart contracts might actually be an improvement in this case because banks like
Wells Fargo have demonstrated that they cannot be trusted and that there needs to be a publicly viewable accounting of auto loans.