When you watch network television, and thanks to Covid and weather, we’re watching a lot more, you know it is fueled by commercials.

Love them or hate them, they make it all possible with the Super Bowl offerings entertainment in themselves. Car guy that I am, I’m drawn to the Express Credit Auto, Jackie Cooper Easy Credit, and some others that are all in the category of “Buy Here, Pay Here” (BHPH) dealerships.

When I came across an article in Car and Driver Magazine that asked the question: “When does an $8,000 car cost $21,000?” I had to check it out.

According to the article, in 2019 roughl...