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A lot of this sort of thing is a stealth recoding. If someone else has a kill switch, you’ve basically bought an monthly pass on an asset owned by a private transit system. It’s not “your” car. Being shut out is more like being denied a bus ride because you can’t afford the fare.
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If they didn't pay, you could remotely cut off the ignition and send a precise location to your repo man. Smart killswitches let you impose fine-grained control over debtors - say, enforcing a rule against driving over the county line. dealbook.nytimes.com/2014/09/24/mis 18/
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It’s a shame rent-to-own usually means getting ripped off. Reasonably priced rent-to-own for a car would be a lot better than the current borrow-and-owe-to-own and eventually result in ownership unlike leasing.