It is what it is, we (my wife and I) used to pay up front for nearly everything and it's becoming a problem. We bought new cars 2 yrs ago and we just give 'em a check now. Prior to that we paid cash for them, in like 2016, the dealer spent more effort verifying that it wasn't drug money than they spent time selling the vehicle to us. They looked at us like we were dinosaurs, and these days, if you're using cash, you are.... My dentist and my PCP love me for it, everybody else, not so much. My wife likes to collect the points to use for airline tickets these days.