In the great days of the American century, Fordism meant that factory workers would be paid enough to afford their own product. Then the auto industry figured out that the smart money is in FINANCING cars rather than making cars. Now we've reached the stage where the whole industry from top to bottom has learned that the BEST money comes from re-selling the crappiest cars for the most interest to the workers who can least afford them.

In that sense the car financing industry has come to resemble the credit card industry. 

why only make money once? 

It's okay to make money more than once but I have a poor reaction to those who charge the most interest to the people who can least afford to pay interest.

so is there an economic opportunity to offer better deep subprime rates while creating a sustainable business?  sounds like a good idea! 

Seems like it. Also an opportunity for credit unions:

http://consumerreports.org/cro/2012/12/how-to-get-the-best-car-loan/index.htm

http://money.usnews.com/money/blogs/my-money/2013/04/22/5-reasons-to-shop-at-a-credit-union-for-car-loans