re: Why do dealers make car buying so difficult

On the contrary. I deal very transparently with my customers and that has led me to having a very successful career in the business. Typically, they will finance and go about their day enjoying their new vehicle.
Really when you think about it, went in the hell would you invest thousands into a guaranteed losing asset? Instead of spending that money on a car, invest it into something that makes money for you. Let the financing bank take the hit of the losing asset, especially if a total loss comes in to play and you're smart enough to have purchased GAP.