You can see this today in the recent increase in used EV sales prices and gas guzzler repo rates over the last 90-120 days.

Car prices continue to rise. Auto lenders compensate with long-term loans - https://news.ycombinator.com/item?id=49236530 - August 2026

US credit card debt climbs to $1.26tn, nearing last year’s record high - https://www.theguardian.com/business/2026/aug/12/credit-card... - August 12th, 2026

Used EV prices climb as demand grows - https://www.axios.com/2026/07/22/used-ev-prices-gas-demand - July 22nd, 2026

Half of Americans struggle to afford groceries and gas, exclusive poll finds - https://www.theguardian.com/business/2026/jul/07/cost-of-liv... - July 7th, 2026

How High Are Car Repossession Rates in 2026? - https://americandefault.org/guides/car-repossession-rates/ - June 25th, 2026 ("Car repossessions are climbing fast, back near the levels the U.S. last saw coming out of the financial crisis. There is no official national repossession rate, so the clearest live gauge is the share of auto-loan balances that are seriously delinquent, and it is near record highs. Repossession is the step that comes after.")

Soaring car insurance premiums force many low-to-middle income Texans to do without - https://www.houstonpublicmedia.org/articles/economy/affordab... - April 1st, 2026 ("Approximately 12% percent of Texas car owners are uninsured.")

$1,000 car loan payments are on the rise, stressing household budgets - https://www.cnn.com/2026/01/27/business/1k-car-loan-payments... - January 27th, 2026