The next step is remote immobilization: miss too many payments (or violate a lease clause by crossing the county line) and your car just stops working:
archive.nytimes.com/dealbook.nyt...
But the apex of this usury-tech comes from (where else?) Tesla.
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archive.nytimes.com
Miss a Payment? Good Luck Moving That Car
Subprime lenders are increasingly relying on technology that allows them to track and disable delinquent borrowers’ vehicles with just a tap of a cellphone app.