Well, being financially stupid doesn’t mean you’re also a “limp dicked piss baby champagne socialist.”

It don’t matter how they got the car. They could have saved up for years, have been cutting costs elsewhere in life, or just have a well paying job; buying a car at 40k+ and selling it for 20k, especially if they still have 30k left on the loan is a dumb move even for the financially illiterate.