After reading excerpts of what I wrote at Why I Failed, I realized that programs already existed. Buy Here Pay Here, Leasing and Rental cars all have similar functions without achieving the same objectives.
BHPH help consumers get into a car despite credit blemishes. Their service is not the product but access to the product.
Rental companies are similar; it’s not the car but access to the car, and who wants to pay $30 a day for a car.
Lease companies help consumers avoid some of the hassles of car ownership: depreciation, trades, and waiting for years to buy a new car.
Rent to own programs are another option, but that program is targeted at credit impaired customers.
It should be possible to come up with a product offering for more financially sound customers that has obvious benefit compared to owning a depreciating asset.