Here’s a clip from last night’s Last Week Tonight, where John Oliver explains how “buy-here-pay-here†subprime auto lenders trick people into spending ridiculous amounts of money and trap them with huge debts they can’t afford. “Theoretically, it is a good thing that car dealers lend money to people who can’t get financing elsewhere, but in practice, these dealerships can trap people with few options into paying vastly more than a car is worth,†Oliver says. “It’s just one of many ways in which when you are poor everything can be more expensive.†With some help from Keegan-Michael Key and Bob Balaban, Oliver highlighted the truth behind buy-here-pay-here dealers with the brand new ad for Crazy Johnny’s Used Cars and their not-so-affordable deals: “Don’t do the actual math on that. Try and think of it at home like this: Act now, and this car will affect every financial decision you make for the best part of the next decade. And that is a Crazy Johnny promise!â€