Most who buy a Soltera do…
Most who buy a Soltera do not need Subaru to worry about their ability to afford their next car.
Also, the bad economy is preventing people from buying a new car when used are extremely expensive, so the argument for a little bit longer loan terms might be good. What should be questioned is companies selling not particularly well made cars with much longer terms than Subaru allows! Kindness and care are relative to context!