Thats an interesting set of points you make however surely Motability only exists because of Government funding? Ie if there were no payments there would be no need for Motability? Salary sacrifice schemes are offered to employees as part of their employment offer and are delivered from company profits. I do not think one can be compared to another, they exist for different reasons.
I don’t want to get overly financial as I’ve a tendency to go full accountant without realising.
Motability was put together by banks, there should always be funding to support those who incur extra expenses and inconvenience in getting around due to disability.
I hate to break it to you but a salary sacrifice scheme has nothing to do with the finances of the company. It’s a benefit offered by finance companies making use of the company’s ability to retain people. A finance company won’t look favourably at a company with a high staff turnover. Yes the employee perceives a benefit from employment and might look at the offer as an advantage over another job that doesn’t offer it, although the number of suitably sized companies not offering it are diminishing. It’s not something the company has any financial input other than the staff time administering the scheme and dealing with the payroll implications. A large company offering salary sacrifice schemes for, say, cars, bicycles and tech, could have a dedicated member of the payroll team working the scheme, that’s all the company pays for.
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I'll try to give my honest opinion but am always open to learning.
Mark