Exactly. I guess most of us have been those low income people early in our lives. That said, its tough to be lower income AND drawn to spend on things you don't need and thus find yourself in a pinch when real needs pop up. Been there and its what motivated DW and I to make more money/get education/spend differently.
I don't look down on these folks but I do question (in my head) why they are smoking, driving a thirsty something with expensive tires, and planning vacations to expensive places on credit cards. Live and let live but don't complain too loudly when the paychecks won't pay for it all.
That car loan ought to have one more line that tells the total cost of the loan $20K @ 20% for X years = $34K. I guess all the info is out there via the 'net in the form of calculators and car loan descriptions and "True Value" estimations.
Still it always bothers me to see someone taken advantage of.
Sadly, I have one that tops this. My MIL just bought a new-to-her jeep for $22,000....with 180,000 miles on it....and an interest rate of 28%. Twenty-eight freaking percent! Her payments are something like $500 a month. For an old jeep. Nothing at all special about it. I have so many stories I could tell that would boggle your mind, but this is her most recent one.