[Phantasm]

The car is rarely fully paid for, same as the house. The typical person is making payments on both; car payment and mortgage. Normally, both payments are subsumed in the cost of living, but it's not out of place for some people to take levels of Debt to represent the payments - especially if they're in danger of losing the car or house if they fail to make a payment.

As a real-world anecdote, though... I have never made car payments in my life. All my cars have been bought used for cash; the most I've paid was US$4,000 for my current car, 4-5 years ago (the car itself is a 2000 Chevy Blazer 4-door SUV). (I think that translates into roughly G$1,500, or about 1/10 what the "new" price is listed in the Basic Set.)