Expensive motor vehicles often have financing terms that far exceed job security lengths. The loans can last as much as five years with steep monthly payments, whereas employers can and often do lay off competent employees with no notice whatsoever. So one can feel like they are driving are borrowed time. And even if one manages to stay ahead of the game and pay off that $50,000 vehicle, the vehicle has already lost a large portion of its value. It's a rotten game to feel stuck in the middle of. It can certainly make one ill-tempered.

In my entire adult life, I've been unemployed less than one month. But since I've never had to finance a bicycle, I've never had to worry about losing a bicycle due to financial concerns or had to worry about the costs of bicycling interfering with my ability to provide for my family and give them the creature comforts that make life fun. One of my favorite bikes, my chopper bicycle, cost me only about twenty five bucks and the time involved in welding two forks together to form a chopper fork.