I'd assume that anyone who COULD pay cash for any car WOULD do so. Unfortunately, not everyone is able to do that. If markfromaurora were able to do that, he would never have asked the questions he posted.

Financing isn't always a bad thing - even for those who CAN afford to pay cash.
A friend of mine (co-worker) inherited a great deal of money many years ago. He paid cash for everything. Then the unthinkable happened - a life threatening illness wiped out all of his resources. He was left scrambling to cover his debts. The problem was he had no established credit, so no one would lend him any substantial amount of money. Talk about "riches to rags"! His sister learned from this (after she bailed him out) and always finances half of the price of any new car she buys. She pays it off in six months, but has built her credit rating to avoid the same dilemma that befell her brother.