Razor,
You have a point. Now reverse it and look at it this way. If you have a credit rating that is in the 850 range, never owed money, and has never been late paying monthly bills, would you like being treated as an untrustworthy person? Also if their credit is so bad they can't afford a car, how is that box going to pay for it? And with or without that box, would you lend $10K to a person with the record that you cited?
Ron