Also, not everyone needs a new car, plenty of people are happy with nearly new or 1 to 3 year old. Some people are happy to spend £1000 on a car. I once spent £2500 on a car and drove it for 7 years. Only ever did brakes, oil change, tyres and 1 catalytic converter. If you’re doing less than 4000 miles a year I don’t think Motability makes sense, particularly at the moment with high AP’s.
I would be expecting a 2.5k car to last 7 years, my £461 Ebay purchase car certainly did and it needed less than that doing to it. My last car before moving to Motability was £750, it sailed through the MOT each time in the two years I had it and it did the same when I sold it onto my brother….until his neighbour sent it to car heaven through inattention. Must admit I was sad to see it go as it had every conceivable extra and so comfortable but it had become impossible for me to drive it and get out of it.