I don't come here often, so maybe it's not a widespread problem, but I've now had two almost identical comments (from the same user) rebuking me for making a poor decision months ago and asking about how to handle the consequences. Is that a thing here? Can it not be? Because it's unhelpful and frankly, I'm not feeling likely to ask more questions if that's the kind of response I'll get.
The comments are here, by DJClayworth. They seem to be born out of a general anti-credit view that pervades questions about loans -- the general assumption on the site is that everyone has savings and is capable of saving up a few grand for a car with no trouble, thus avoiding loans altogether (see, for example, these answers, which basically boil down to "don't get a loan", or the top answer here, which outright states "If you cannot buy a car outright with cash, you cannot afford it. Period."). For someone like me, who is underpaid and struggling with medical expenses, the whole "never ever take a loan" attitude seems unhelpful and harsh. Openly rebuking me for past mistakes just adds icing on the cake.
And because I feel like I have to defend myself: Without a car, I could have no income at all. By the time I managed to find a job, my savings were gone and I'd already borrowed money from relatives to try and make ends meet. I was lied to by the dealership (they quoted me a significantly smaller APR than was on the paperwork I signed then backed me into a corner about signing it) and didn't anticipate my medical bills being so high (since I didn't have insurance at all yet, I was not getting treatment for my problem; my insurance has the highest copay any of my doctors have ever seen, but what else can I do, not get better?). This job is awful in terms of compensation, but it's on contract so in a few months I'll be able to get a better one, and at least I have food on the table. My situation is not uncommon in these current troubling times, but it seems like a lot of answers assume much better economic conditions.