With the Motability scheme, there’s already a financial committment to best part of £10k over the next three years (including increases for 2021 and 2022).
I guess most people add ‘options’ to an AP, so if you allow £5,000 upfront; anything less is a bonus. Voila!!
(I do appreciate that some people don’t have £1k let alone £5k.)
Also, with options, some high-end cars could well go over the £40k mark.
Where else could that fully-insured, fully-maintained car be gotten for the limited upfont payment plus £60-odd per week?