Maybe if you're in the earning high-5 figures a year bracket in SF, but for regular people, a car is likely the most or second most expensive thing they own (second to a home). New cars is something for dual-earners and rich folk, for us regular people - and I am a high income earner - new cars, even on finance, is just not an option.

(I'm currently driving a used 2009 Ford Focus, <200K Km on the dial)