What you are missing is 1) Look at what the consumer pays ($40k for an $80k auto = temporal universe FACT of beneficial DEFLATION) 2) Commercial agent gets their entire price of $80k with the rebate aspect of the policy 3) and probably most importantly, you miss the fact that the current bulk of “free” market theoretics is a delusional misnomer for the actual reality which is a chaotic theoretics that does not enable ACTUAL control…because the current monetary paradigm for the creation and distribution of new money is DEBT ONLY (a dominating MONOPOLY paradigm concept exactly like Salvation Via Roman Catholic Sacraments ONLY was before The Reformation) when strategically integrating Monetary Gifting into the DEBT ONLY system with the 50% Discount/Rebate policy at retail sale creates the realities of 1 and 2 above which resolve inflation and brings a more prosperous and stable economic system.