Just saw some TV commercial for some car loan service, marketed towards lower-income people with bad credit. First it showed a kid in a beat-up hood ride trying to pick up a girl, failed. Then it showed a woman riding shakily on a bike saying "You think I like riding this bike to work? I can't get a car loan with my credit!"

So there you go, riding/commuting on bikes must really suck if you have bad credit and can't get a car loan.