The debt spiral is real. More borrowers are stacking yesterday's car loans onto today's purchases, pushing loan terms past the seven-year mark just to keep monthly payments from strangling their budgets. It's not ownership anymore—it's subscription with wheels. The line between owning and renting is blurring fast. What used to be about having an asset has become about managing cash flow. The financing model is shifting from purchase to perpetual payment. Whether it's vehicles or digital assets, the pattern's the same: fewer people own outright, more people pay indefinitely. The "rentification" of consumer goods isn't just about cars anymore.