Sometimes it’s also a pain to opt out.

The outrageous prices of used (low telemetry) cars make them a poor value proposition, for example. Depending on the model, a used car can be a decade old with half of its lifetime miles on it already and the seller will still want $14k or something crazy like that. When you factor in the parts of its history that carfax doesn’t cover and the stream of repairs you’re likely to be saddled with, finding a 0%-2% financing deal on something new at ~$20-24k begins to look a lot more attractive.