Fair points, I don't have data refuting them. But FWIW - in India many drivers have been lured into taking a car loan with the promise of high returns, so as t

Fair points, I don't have data refuting them. But FWIW - in India many drivers have been lured into taking a car loan with the promise of high returns, so as to boost supply, which results in net negative income at the end of the day/week/month, despite having worked like a machine