For most people, being able to buy things outright is not the way the world works.
I am a teacher. This means that I do not get bonuses/lump sums etc as in some jobs so for me to own something as expensive as a reliable car, I have to save hard for some years or get a bank loan. On the plus side, I have a regular monthly income and am very unlikely to be ever out of work and am 20 years away from retirement. Of course a dealership would be making money out of me. Same as my mortgage provider and my mobile phone company etc or my bank were I to get a loan. The bottom line for most people is how much can I afford to shell out each month and what is the best way of using that money to get me the newest, nicest and most reliable thing to drive.