Borrowing for a car is becoming normalized in my country, but what's wrong with just buying a €5-10k car outright? My SO and I have spent a grand total of €12500 on purchasing 3 separate vehicles in about a decade.

I drive a relatively new electric car for work that is a job perk, but if I wouldn't I'd just driving to work in our little Mazda 2.

There is no single part of my house I even want to spend the average new car price on (€43k). That's retire a year early money.