Imagine if you bought a car that way. The dealer says, come on in! Everyone deserves a car. We will meet all your need. Here, fill out these forms, and tell us all about your financial situation, and we will meet all of your need, so you can have a car. First, cars would cost $400,000 suddenly. Second, the dealer determines your need. Isn't that backwards? He doesn't price his car based on what the car is worth, what the market will bear. He prices it for you based on what HE thinks you should pay...a number which has zero to do with what you think you should pay.