I’ll chose curto, for trying to make proper, legal, sense of this mess.
I work with someone similar to the op, in that she is forever trying to find technical details with which to get out of agreements/contracts (phones, credit cards, loan terms, car leases etc) she’s signed up for but can’t really afford. it’s painful to watch/listen to her basically systematically go through every possible angle and eventually, if required, threatening a social media backlash and/or legal action. Invariably the company backs down and gives her a better deal or cancels the agreement. I despise her and the OP appears to fall into a similar category.
Hopefully ling has encouraged the OP to think a bit more carefully about any future deals he makes, so as to be sure it’s what he really wants…
If he wants to finance it in his name that’s his business and he knows the risks, his choice.
😯 or maybe not. You’d drop him in a heart beat if you’d got the car then fell on hard times in a year or so, wouldn’t you? He knew the risks after all…