I see your point, but I don’t know if people in the financial position to do this do it to get rich. I always saw it as creating small bits of edge in the game.

Also, to this point, the interest arb doesn’t work out the way most people use it because they don’t account for the principle. You’re still going negative into a depreciating liability if you only invest the value of the car. It’s just you’re not going negative with interest.

To go fully not negative requires a lot more cash to generate the interest income to cover the entire payment.