Unfortunately many have to finance even for modestly priced vehicles. Saving just a few thousand dollars is unfeasible at lower incomes, depending on your situation. Right on for Toyota though, hard to find a more reliable car (maybe Honda).
Option two certainly is better, for those who can swing it! Being able to go carless and just use public transit/bike/walk everywhere is the new American dream honestly.






Would love to see something like this in the US, the booming e-bike market seems to imply the appetite is there for agile, higher-powered two wheel EVs, but it seems like what we have here is overpriced and underperforming compared to elsewhere in the world.