A problem is people buy expensive bikes on finance. say a x brand bike, model y. The bike can go for say R10 if you shop around and have cash , places ( think big brand stores now have that bike for R12 but buyer can finance. then it costs that buyer R14 at the end with charges.... when he tries to sell he wants R10... the same issue of fin toys, now a guy has R5 and wants a bike he can search the classifieds where people are over priced or its over run by the second hand dealer shops that also has a mark up, or he takes his R5 and uses as deposit adds R7 on fin and buyers a nicer bike, that he will struggle to sell again in a few years.
